SP / 24.11.2020

Where is it better to place a contribution. Top banks in terms of deposits in Russia. What does a profitable bank deposit mean for individuals

A deposit or the so-called "deposit" is cash that the client places with the bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow best interest in rubles and foreign currency deposits often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals Moscow differ in terms, currency and rate, there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest on the card and others).

Both small and larger reliable banks in Moscow in 2020 offer several additional opportunities for term deposits and deposits with maximum and not high interest rates for individuals:

partial withdrawal and replenishment funds on the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is charged not only on the amount of the initial deposit, but also on the added interest;
automatic renewal- automatic extension of the agreement if the depositor does not withdraw the deposit at the end of the validity period.

To arrange the most best contribution in rubles or foreign currency favorable rate in the bank of the city of Moscow, consider these three points.

Depending on the currency used, urgent deposits divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable interest rate deposits in Moscow banks are currently offered in Russian rubles.

Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in the city of Moscow, even in times of crisis. Although the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income if exchange rate to the ruble. This is how you can get the best income from a deposit in 2020.

Most Russian banks offer foreign currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the Currency Rates section. However, there are few offers of deposits at a good interest rate in these currencies, since the demand for them is low.

How should a pensioner, student or middle-aged person choose a deposit? Pick up an offer with the best bet and the conditions will help you form "Deposit selection". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offer.

In 2020, today, among the deposits in banks in Moscow, the most profitable high percent in rubles at the deposit Deposit At the top (with the NSJ) Gazprombank in the bank Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest payment at the end of the deposit term. According to our data, this is the best bank deposit in Moscow with the maximum rate in rubles.

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

The least risky way to increase profits on an ongoing basis is Bank deposit... An individual provides the bank with his savings, for which the bank pays a certain percentage of the invested amount monthly or annually.

Best interest rates on bank deposits

You should trust finances only to reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next streak of financial difficulties.

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

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

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
on day 91 - 6.6%;

on day 181 - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the maximum interest rate. If the client wishes to terminate the contract ahead of time, preferential terms make the process fast and with minimal waste. You cannot withdraw part of the money or replenish the amount of the deposit during its validity.

Interest is paid at the end of the agreed period to the same account in which the original deposit was placed. If you close the deposit later than the due date, only half of the accrued interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available on the Internet.

"Maximum income" (Credit Bank of Moscow)

Conditions:

the minimum amount is 1000 rubles; US $ 100; 100 euro;

terms and interest for deposits in rubles:
for 95 days - 5.75%;

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

According to primary contract interest is paid at the end of the term. However, the bank has created the ability to connect additional options. So, the depositor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. To connect one or more of the described services, you must conclude an additional agreement.

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

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, euro dollars;

the minimum amount is 30,000 rubles; USD 5,000; 5,000 euros;

terms and interest when opening a ruble deposit in the office for up to 1 year:
upon termination within 31–90 days - 6.6 / 7.6% (Halva card);

upon termination within 91-180 days - 7.0 / 8.0% (Halva card);

upon termination within 181-270 days - 6.6 / 7.6% ("Halva");

upon termination within 271–365 days - 6.6 / 7.6% ("Halva").

terms and interest when opening a ruble deposit in the office for up to 3 years:
upon termination up to 90 days - 6.8 / 7.8% (Halva card);

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

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

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

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

terms and interest when opening a ruble deposit via the Internet bank for up to 1 year:
upon termination within 31–90 days - 6.6%;

upon termination within 91-180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271–365 days - 6.6%.

terms and interest when opening foreign currency deposits:
in US dollars for 271–365 days - 1.55%;

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

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

"Reliable" (Discovery)

Conditions:

currency - rubles, dollars, euros;

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

terms and interest:
for ruble deposits for 91 or 191 days - 6.42-7.30%;

in US dollars for 91 or 181 days - 0.20-0.80%;

in euros for 91 or 181 days - 0.10%.

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

"Maximum interest" (B&N Bank)

Conditions:

currency - rubles, dollars, euros;

the term of the deposit is from 3 months to 2 years;

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

terms and interest for ruble deposits:
upon opening in a bank branch - 6.10-7.30%;

for individuals (pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

terms and interest for deposits in US dollars:
when opening in a bank branch - 0.55-1.65%;

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

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

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the period of the deposit, you cannot replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

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

the minimum amount is 3000 rubles; USD 50;

interest rate for ruble deposits - up to 6.70%;

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

Some of the most comfortable conditions... An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

"Profitable" (VTB 24)

Conditions:

currency - rubles;

minimum amount:
when opening a deposit online - 30,000 rubles;

when opening a deposit at a bank branch - 100,000 rubles.

terms and interest when opening a deposit at a bank branch:
for a period of 3-5 months - 6.20 / 6.23%;

for a period of 6 months - 6.20 / 6.28%;

for a period of 13-18 months - 5.90 / 6.15%;

for a period of 18-24 months - 5.70 / 6.02%;

terms and interest when opening a deposit online:
for a period of 3-5 months - 6.60 / 6.64%;

for a period of 6 months - 6.60 / 6.69%;

for a period of 6-13 months - 6.15 / 6.23%;

for a period of 13-18 months - 6.10 / 6.29%;

for a period of 18-24 months - 5.90 / 6.15%;

for a period of 24–36 months - 5.70 / 6.02%;

for a period of 36–61 months - 3.10 / 3.25%.

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

"Pobeda +" (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; USD 500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euros - 0.01–0.20%.

You cannot replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

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

terms - from 3 months to 1097 days;

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

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

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

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

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

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

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

The long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire term, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. It is possible to extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Top up" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; US $ 100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
for 3-6 months - 3.70 / 3.71%;

for 6-12 months - 3.80 / 3.83%;

for 1-2 years - 3.60 / 3.66%;

for 2-3 years - 3.45 / 3.63%;

for 3 years - 3.45 / 3.63%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
for 3-6 months - 3.85 / 3.86%;

for 6-12 months - 3.95 / 3.98%;

for 1-2 years - 3.75 / 3.82%;

for 2-3 years - 3.70 / 3.83%;

for 3 years - 3.60 / 3.80%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
for 3-6 months - 4.00 / 4.01%;

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75 / 3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
for 3-6 months - 4.00 / 4.01%;

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75 / 3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
for 3-6 months - 4.00 / 4.01%;

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75%.

terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
for 3-6 months - 3.45 / 3.45%;

for 6-12 months - 3.55 / 3.58%;

for 1-2 years - 3.55 / 3.58%;

for 2-3 years - 3.30 / 3.41%;

for 3 years - 3.20 / 3.35%.

terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
for 3-6 months - 3.60 / 3.61%;

for 6-12 months - 3.70 / 3.73%;

for 1-2 years - 3.50 / 3.56%;

for 2-3 years - 3.45 / 3.57%;

for 3 years - 3.35 / 3.52%.

terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $ 100):
for 3-6 months - 0.25%;

for 6-12 months - 0.55%;

for 1-2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $ 3,000):
for 3-6 months - 0.30%;

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $ 10,000):
for 3-6 months - 0.30%;

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $ 20,000):
for 3-6 months - 0.30%;

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $ 100,000):
for 3-6 months - 0.30%;

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3-6 months - 0.05%;

for 6-12 months - 0.20%;

for 1-2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

terms and interest rates for dollar deposits when opening at a bank branch (from $ 3,000):
for 3-6 months - 0.05%;

for 6-12 months - 0.25%;

for 1-2 years - 0.60%;

for 2-3 years - 0.70%;

for 3 years - 0.80%.

terms and interest rates for dollar deposits when opening at a bank branch (from $ 10,000):
for 3-6 months - 0.05%;

for 6-12 months - 0.30%;

for 1-2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

terms and interest rates for dollar deposits when opening at a bank branch (from $ 20,000):
for 3-6 months - 0.10%;

for 6-12 months - 0.40%;

for 1-2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

terms and interest rates for dollar deposits when opening at a bank branch (from $ 100):
for 3-6 months - 0.10%;

for 6-12 months - 0.40%;

for 1-2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out in which financial institutions today.

How to calculate the profitability of a deposit?

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

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, it should be calculated as follows: N * (1 + P * d / D / 100) n-N, where

N is the initial size of the deposit;

P is the interest rate;

d - calendar days after which new interest is calculated (as a rule, it is 30 or 31 days);

D - 365 or 366 days a year, depending on the current year;

n - how many times interest will be accrued (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks are trying to gamble to get the maximum benefit from their customers, so customers should be careful when choosing favorable terms for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks noticeable and in every way better than the others. The interest rate is significantly higher than the market average. This is a signal to take a closer look at the bank itself. A positive scenario: a big holiday is on the way and the bank is attracting new customers with similar promotions. Negative option: the bank is unreliable and may collapse at any time. His action plan is to get the most value out of customers who want the same - big money in a short time. Then such organizations file for bankruptcy, and depositors lose everything.

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

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

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

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

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

The fourth mistake. Ignoring the achievements of civilization. Most of the large banks are transferring their services to the Internet format. There are even banks that are fully Web-based. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and minimum contribution- lower than when opening in the office.

Advice: if you are concerned about the safety of your data, always check the address of the page you are on. At the top there should be either a similar pictogram with a lock (see below), or the inscription https in green.

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

Summing up

Bank deposits - for individuals. When choosing terms, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on terms corresponding to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have never heard of before.

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

Content

Keep your money in the Savings Bank, if you have it! A quote from Gaidai's comedy is still relevant now. Interest rates on deposits in banks are high today so that people can profitably place money on a deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and keeping bills at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, in a deposit or savings account. The index of trust in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however, there is a concept of the average bank interest rate, which is set by the Central Bank:

The central bank analyzes the actions of all financial institutions, not only to identify violations that lead to fines or revocation of licenses. Other indicators are also monitored.
Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the last 2016.
The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions risking clients' money.

Pension deposit interest

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a replenishment function, which is a kind of analogue of a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types deposits with a minimum initial amount.

Sberbank makes pensioners happy favorable conditions- interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishment deposit for 3 years, 3.5% per annum, "Save" - a non-replenishment, the rate of 5.6% (when opening an online account - up to 6.13%), "Top up" - 5.12% ( online - 5.63%). There is "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension" - 7.75%.

Interest on ruble deposits

The main share bank deposits make up ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits offered by managers small organizations... Large financial institutions offer profits in the region of 8-10%:

Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but the minimum amount starts from 1000 rubles.
VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
Alfa Bank also keeps the bar in the region of 9-10% on three-year accounts.

Foreign currency deposit rates

Although the euro is considered more reliable currency, the situation with foreign exchange investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and, again, promoted players are in no hurry to make high interest rates on multicurrency accounts. If you want to earn extra money - take advantage of offers from small regional financial institutions, but along with the growth of interest, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and the results are used to compile a rating of TOP-10 lucrative offers. They take into account the rating credit agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The most best programs for Moscow banks:

“With the maximum rate” - 8%, Uralsib;
Vlad to the Future - 10%, BinBank;
Partner - 8%, Nevsky Bank;
"Maximum income" - up to 8.4% from Sovcombank;
"All inclusive Maximum income" - 8.5% from the institution Moscow Credit Bank;
« Financial protection", In euros, 3.5% - Promsvyazbank;
For Life, in euros, 3% - UniCredit Bank;
“Tradition of Success”, in euros, 2.5% - Promsvyazbank.

High rates on deposits

Interest rates on bank deposits today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

the intensity of issuing loans, which constitute the main profit of institutions;
high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
deposits from compound interest initially offer a lower profit than with a simple bet.

Major players in financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of revocation of the license or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? About sharks banking business everyone knows: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, taking into account:

analysis of the work of a credit institution by the Central Bank, taking into account the value of its equity capital;
customer reviews of the institution's work;
verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks this year looks like this:

Magnus - 8% per annum from J&T Bank;
"Solid interest" - 8% from 3 months. Promsvyazbank;
"PRIME" - 8.13% - 3 months-a year from UniCreditBank;
"150 years of reliability" - 8.2% for 3 months. from Rosbank;
"Perspective" - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-refillable deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may turn out to be interesting:

"Solid" - 10.5% for 550 days from GazTransBank;
“Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
“Fidelity to the Premium Traditions” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
"By Europlan" - 10% per year from BinBank Capital;
"Safe" - 10% per year from the bank "Interaction".

Interest rates on deposits in Sberbank for today

Average seldom exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

"Memory of generations" - minimum deposit is 10,000 rubles. the size of the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to War Veterans.
"Save Online" - can be done in any currency. A small minimum amount - only 1000 rubles. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

"Drive!" - rechargeable, it is possible to issue it online. The percentages range from 3 to 5.85.
"Give Life" - part of the income is donated to the Foundation of the same name. Term - 1 year, rate - 5.3%, no replenishment.
"Savings" - an ordinary account with minimum interest 2.3 per annum. There are deposits and early withdrawals.
« Savings certificate"- a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

VTB Bank 24

This bank has a share of government money, so its reliability is fully justified. The interest on the deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:

"Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
"Accumulative" - from 200,000 rubles. for 3 months and more, interest - up to 6.95, there is income capitalization;
"Comfortable" - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount - from 200,000 rubles. There is a possibility of partial withdrawal.

Russian Agricultural Bank

Rosselkhozbank positions itself as “ National Bank»With advantageous offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9%, depending on the duration and size:

"Investment" - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, a year);
"Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is RUB 15,000,000;
"Classic" - profit 7.95% per annum, interest payment - at your choice, the minimum amount - 3000 rubles.

Deposit in Alfa-Bank

The interest rate of the deposit in Alfa-Bank is comparable to competitors, but the popularity financial institution great. Now clients are offered:

"Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
"Pobeda +" - a six-month deposit, up to 7.3% and a deposit amount of 50,000 rubles or more;
"Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
"Premier +" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of "Leto-Bank" were closed, and customers were surprised to find that they were being served in "Pochta-Bank". An aggressive advertising campaign with the involvement of famous actors is doing its job, the bank constantly calls on to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits in the Post Bank, and all deposits are subject to insurance:

"Seasonal" - for a year with an amount of placement from 50,000 rubles. The rate is 8.25% with payment of profits at the end of the term, pensioners receive 8.5% per annum.
"Capital" - for six months or a year up to 8.25% plus a card as a gift.
"Accumulative" - a replenishment deposit of up to 7.5% and a minimum amount of 5,000 rubles. maybe early closing and interest capitalization once a quarter.
"Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract maximum amount new clients. It should be noted that high interest rates on deposits in banks today are leaders among credit institutions do not offer, but decide which option is more important - profit or reliability - only to the client. Almost all banks operating on the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Bank's name		Interest	Terms of deposit
BaltinvestBank			No top-up, interest payment at the end, no early withdrawal.
Russian standard	Maximum percentage		Profit payment at the end, without replenishment and early withdrawal.
MosOblBank	Personal		Monthly payment profit, replenishment, no withdrawal.
	Fixed income		Rechargeable (if agreed in advance, with a preferential early withdrawal commission), profit payment every month.
	Maximum percentage		Payment at the end of the year, replenishment is available, withdrawal of money before the end of the term is not possible.

Video: Interest rates on deposits in 2019

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Discuss

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe profitable investment money for everyone and depends on the depositor's attitude to the reliability of the bank, auto-rollover, capitalization and other conditions. The best interest rates on deposits usually come with risks and some inconvenience for the depositor.

This page contains banks offering maximum rates interest on deposits. To get acquainted with the best offers and programs in more detail, click the "Checkout" button - you will be redirected to the bank's website.

Creditznatok is a service that allows you to select deposits with the maximum interest rate or the most favorable terms, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest on deposits in Moscow and you will be able to profitably manage your money right now.

Analysis of profitable offers

Proposals that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated against the new increased amount. Among the best lucrative offers are:

do not allow replenishment and partial withdrawal of funds;
not allowing the withdrawal of income before the end of the contract;
promotional offers of banks dedicated to memorable dates.

Time deposits with the highest interest rates can also be found among foreign exchange products: the interest rate here is lower than that of rubles, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high interest rate are easier to find in less popular small banks. Having an impeccable reputation, large banks do not need the most high rates to attract depositors - many of them choose reliability and stability instead of quick money... Additional advantages - convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to make a profitable investment. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a high rate exceeding the refinancing rate by 5 points will entail a tax payment of 35% on the difference between the interest.

To find out more, click on the "Checkout" button: get all the necessary information and fill out an application on the bank's website. Look for great deals with Creditznatok!

It can take a long time to look through all the profitable offers in the banks of Moscow. On the official websites of banks, there is no way to compare deposits with the offers of other organizations. Therefore, to search, it is better to use a service that helps you quickly get acquainted with complete list options and their basic conditions. A large selection of available deposits provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The section "Deposits of the month" allows you to quickly view the top products in Moscow with a high interest rate and a minimum amount of the first installment. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Benefits of our service

A convenient filter has been created on the site, which makes it possible to quickly and easily view all profitable deposits, available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

Find Best offer in Moscow, you can use one or several parameters at once. To do this, you can specify in the filter:

the minimum amount;
currency;
the term of the deposit agreement;
additional features using the deposit.

The issuance results are arranged according to one of two possible principles - interest rate or rating. The rating is calculated by our website automatically, taking into account the main characteristics of the convenience and safety of working with the bank, such as:

profitability of the deposit;
bank reliability;
availability of additional options;
availability.

These characteristics give an idea of the bank even before you start working with it. You can independently set the sorting principle and quickly find the information you need on any of the products presented on our website.

Current offers

In the list of issuing current offers for this moment maximum interest and the terms of cooperation are as follows:

interest rate - up to 10.25%;
the minimum deposit amount is from 1,000 to 500,000 rubles;
storage time - from one to three years.

Among the available options are in rubles, dollars and euros, offers for retirees, as well as deposits with the ability to replenish the account and extend the contract.

Stay up to date

If none of the existing products in Moscow suits you, you can subscribe to our newsletter. To the address you provided Email information on all new and current deposits will be regularly sent, including short-term promotional and seasonal offers with favorable conditions, as well as last news and reviews economic situation in Russia and the latest developments in the banking market. This will allow you to be one of the first to place a suitable deposit. To subscribe, just enter your e-mail in the appropriate field.

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