The highest deposit rate. Deposits. Investments in Renaissance Credit

There are many credit institutions operating in the Russian Federation. Many of them provide services for both individuals, so for small, medium and large businesses. One of the most popular products, along with consumer loans, is a bank deposit.

But if the loan has to be repaid to the bank in almost double the amount, you may not lose the deposit, but rather earn it.

What it is

Contribution is cash, which are accepted by a financial organization authorized for such actions, from citizens, individual entrepreneurs or legal entities, on the terms of full refund and accrual of profit provided for by the terms of the contract.

In other words, a citizen or organization has free funds. They lie “idle” and do not generate any income. Why not make money from them?

The potential investor also comes to the same conclusion and finds the bank that offers the most profitable deposits, and places money.

The parties to the process are the depositor and the bank itself. Confirmation of the existence of a legal relationship between the parties is a bank deposit agreement.

This is a document that is drawn up in writing and contains the terms of the transaction, the rights and obligations of the parties, details and other provisions.

According to the Civil Code of the Russian Federation, the deposit agreement is recognized as public. This means that, unlike consumer loan or mortgage, no bank can refuse to conclude a deposit agreement. Everyone who applies must be provided with the appropriate service.

Conditions for individuals in 2017

The conditions for deposits for citizens in 2017 are not too different from the conditions in force both in 2016 and a couple of years ago. There have been no major changes to the banking system recently, so you shouldn’t expect any changes in terms of deposits.

Essential terms of deposits that you should pay attention to first:

Which bank can I open it in?

Let us not reveal the secret that deposit placement services are provided by any financial institution operating on the territory of the Russian Federation. The only question is the conditions, interest rates and opportunities provided. You can make a deposit in absolutely any bank.

Another aspect in favor of large organizations is deposit insurance. Not every small bank participates in the system state insurance, accordingly, cannot ensure the safety of funds at the proper level.

• Trust;
• Unicredit;
• Promsvyazbank;
• Credit Europe Bank;
• Gazprombank.

Interest rates on deposits

Interest rates on deposits may depend on huge amount factors:

• deadline for registration;
• deposit amount;
• currency;
• presence or absence of interest periods;
• capitalization or interest payment;
• seasonal or permanent offer;
• the presence of additional options (replenishment, withdrawal) or their absence.

The highest deposit rates can be obtained in the following cases:

• the deposit is made for enough a large amount– as a rule, more than 100 thousand rubles;
• currency - rubles;
• placement period – from six months to 1 year;
• interest is capitalized;
• the number of additional options is minimal or non-existent;
• seasonal product selected (if available).

By observing these simple conditions, you can choose the most profitable deposit.

Now we present a comparative list of banks with fairly favorable interest rates on deposits:

Rating of banks by deposits

• first installment – ​​100,000 rubles;
• placement of funds for a period of 1 year;
• payment of income, other functionality (replenishment, withdrawal, extension, etc.) - any.

None of the above products allows you to withdraw money before the end of the deposit period.

7 credit structures out of 9 presented, upon early termination of the contract, accrue income at the Demand rate. And only Unicredit and Promsvyazbank allow you to cancel the agreement on preferential terms.

How to calculate interest

Almost every bank has its own official website, which contains a list of available deposits, as well as software tools that allow the depositor to make a preliminary calculation of profitability.

It is enough to enter the amount of the deposit, the period for placing funds and, in some cases, indicate the necessary options (replenishment, withdrawal, capitalization, if the deposit allows it). After this, the system will output the following values:

• interest rate applied in the calculation;
• total deposit amount at the end of the term;
• income for the period of placement.

In this simple way you can get preliminary information about how much you can earn.

Important! Calculators presented on the websites of credit institutions produce preliminary calculations. Will always provide accurate information about income banking specialist at the nearest bank office.

How to open

Many banks allow you to make deposits in several ways, including:

• in the organization's offices;
• through remote services(Internet bank, mobile bank, ATMs, etc.).

As a rule, the investor can independently decide which method to use.

Note! Some banking institutions provide increased rates when opening deposits online. You can always consult about the availability of such benefits in branches or by phone hotline jar.

The procedure for opening an office, in general, looks like this:

• the investor chooses credit structure with the most favorable and attractive conditions;
• selects a product according to information on the official website or in consultation with a bank manager;
• provides a package of required documentation (for a citizen of the Russian Federation - a passport, for a person with another citizenship, the list of documents should be clarified with the bank);
• concludes a deposit agreement and deposits funds in cash or by bank transfer.

To open online, the client must be active. It is necessary that he has previously used any bank service - for example, taken out a loan, opened a deposit or used a debit card.

During the initial application, most banks enter into an agreement with the client comprehensive service, giving access to all provided services of the credit institution.

After concluding a comprehensive service agreement, the depositor can open a deposit without visiting the office. Relevant instructions for registration can be obtained from your specific bank.

Advantages and disadvantages

Advantages of bank deposits:

• simple design;
• the ability to choose the opening method - remotely or in the office;
• only one document is required for citizens of the Russian Federation;
• passive income without any labor effort;
• flexible conditions and good profitability;
• control over finances 24 hours a day, 7 days a week through remote services;
• state deposit insurance;
• the possibility of early termination at any time, albeit with a significant loss of income.

Minuses:

• income often does not cover the inflation rate;
• hidden commissions;
• in some cases, complex and confusing conditions for deposits;
• the risk of depositing money into unreliable bank, ready to go bankrupt at any moment.

Deposits have long been considered reliable financial instrument. However, from a sure source of profit, a deposit can turn into a way to lose money.

If you invest money in an unreliable bank that does not participate in the insurance system, there is a high risk of losing everything. To prevent this from happening, you should approach the issue of choosing a credit institution with a special degree of responsibility.

Video: What are deposits and loans?

Deposit rates continue to decline. However, Russians still place their savings in deposits. Even if the yield on them is low, it still compensates for losses from inflation.

The Central Bank of the Russian Federation is systematically reducing key rate, there is more cash on the market and banks are less interested in attracting funds from the population. As a result, deposit rates are reduced. But despite the continuing decline in deposit returns, this savings instrument does not lose popularity. The total volume of funds placed by individuals in banks is insignificant, but growing. Deposits are growing especially rapidly near maximum size insurance compensation - up to 1.4 million rubles. Such conclusions are contained in the analysis of the development of the retail deposit market in 2017 by the Deposit Insurance Agency.

Dynamics of the household deposit market in 2017

Russians continue to trust banks with their savings, even if the return on them is low. The volume of household funds in banks increased by 1,787.1 billion rubles. (in 2016 - by 981.2 billion rubles) to 25,987.4 billion rubles. In relative terms height deposits amounted to 7.4% , without currency revaluation- 8.6% (in 2016 - 4.2 and 9.2%, respectively).

And here savings certificates(for which the funds are not insured) are losing popularity. Investments in savings certificates bearer, decreased throughout the year. As a result, the volume of funds placed in such certificates decreased by 20.1% by 97.6 billion rubles. up to 387.7 billion rubles. The share of bearer certificates in the total volume of deposits also decreased, amounting to 1.5%.

Volume funds individual entrepreneurs in banks as of January 1, 2018 amounted to 459.5 billion rubles. (1.8% of the total amount of deposits of individuals), having increased since the beginning of the year by 36.2% . The amount of insurance liability for them is estimated at 265.1 billion rubles. or 57.7% of the total amount of funds of individual entrepreneurs, which is comparable to the structure of deposits of individuals.

Generally volume of insured funds of the population in banks(including funds from individual entrepreneurs) in 2017 increased by RUB 2,012.4 billion. (in 2016 - by 1,130.7 billion rubles). In relative terms it grew by 8.4% up to RUB 26,033.0 billion (in 2016 - by 4.9%).

During the year, the deposit market grew unevenly: the main growth occurred at the end of the year, when many received bonuses at work and appeared available funds . Dynamics daily gains deposits in 2017 was as follows. The growth of deposits in January-November 2017 averaged 2.4 billion rubles. per day, and without currency revaluation - 3.0 billion rubles. per day (in January - November 2016 - 1.4 billion rubles per day, without currency revaluation - 3.8 billion rubles per day). At the end of the year, traditionally, in connection with the pre-New Year payments of bonuses and other additional remunerations, a large increase in household deposits was noted. In December, deposits of individuals increased by 990.5 billion rubles. (on average 32 billion rubles per day), which, minus currency revaluation, slightly exceeds last year’s pre-New Year revenues.

Structure of the deposit market by size, currency, maturity

The financial literacy of Russians is growing from year to year: now the population understands that placing funds on deposit in excess of the insured amount (1.4 million rubles) is risky. Therefore in reporting year Deposits grew most actively near the maximum amount of insurance compensation .

So, deposits from 1 million to 1.4 million rubles. increased by 21.1% in amount and by 20.9% in the number of accounts, and deposits from 1.4 million rubles. up to 3 million rubles - by 23.2% in amount and by 22.9% in quantity. Deposits starting from 3 million rubles. up to 5 million rubles increased by 9.9% in amount and by 9.1% in number of accounts. Deposits over 5 million rubles. grew by 2.2% in amount and by 8.0% in number of accounts. Deposits from 100 thousand to 700 thousand rubles. and from 700 thousand to 1 million rubles. increased by 6.5 and 7.3% in amount and by 6.6 and 7.2% in number of accounts, respectively.

At the end of the year share of deposits from 700 thousand rubles. up to 1.4 million rubles. increased from 19.5 to 20.7%, and the share of deposits from 100 thousand to 700 thousand rubles. and over 1.4 million rubles. decreased from 29.5 to 29.0 and from 41.6 to 41.1% of total deposits, respectively. The share of deposits is less than 100 thousand rubles. changed slightly.

Average deposit size By banking system(excluding bills less than 1 thousand rubles) amounted to 159.1 thousand rubles.

Strengthening of the ruble and low rates By foreign currency deposits led to a decrease in their popularity among Russians. Based on the results of 2017 the share of deposits in foreign currency decreased from 23.7 to 20.6%.

The share of deposits increased by short term (up to 1 year) - due to the higher level of rates on them. The share of short-term deposits increased slightly - from 35.2 to 37.8%. At the same time, there was an increase in the share of demand deposits from 18.3 to 21.0%. At the same time, the share long-term deposits(for a period of more than 1 year) decreased from 46.5 to 41.2%.

Citizens trust their funds to large banks , the risk of license revocation is lower. The share of the 30 largest banks in terms of deposits in 2017 increased from 85.2 to 87.0%, while the share PJSC Sberbank decreased from 46.5 to 46.1%. The gradual increase in the share of the largest banks has continued since the end of 2013 - the total increase over the specified period was more than 10 percentage points.

Return on deposits and its impact on the dynamics of the deposit market

The popularity of deposits is not falling, despite the decline in their profitability. DIA monitoring of interest rates offered by the 100 largest retail banks, showed that the majority (72 banks) reduced deposit rates at the end of 2017 . In 13 banks rates increased, in 15 they remained unchanged. At the same time, the main reduction in deposit rates occurred in the first half of 2017.

Average bet level (weighted by the volume of deposits) as of January 1, 2018 in rubles annual deposits for the amount of 1 million rubles. decreased by 1.0 p.p. - from 7.4 to 6.4% per annum. Average (unweighted) rates on similar deposits decreased by 1.2 percentage points. - from 8.5 to 7.3% per annum.

According to DIA estimates, a slight decrease in interest rates on deposits will continue this year . At the same time, the real return on deposits (relative to the inflation rate) will remain positive. Thus, with the help of deposits it will be possible to compensate for the rise in consumer prices.

Unfortunately, 2016 was not the best year for depositors; the Central Bank took away licenses from several dozen banking institutions, and this list included companies from the top hundred of the rating. Unstable exchange rate does not add optimism foreign currency, increased inflation and a sharp drop in prices for “black gold”. In such difficult times, people are trying to save the rest of their money; 2015 showed that buying household appliances like crazy is not an option; in 2016-2017, Russians are using bank deposits more to save money.

We know that Muscovites have the largest savings, so many residents of the capital are worried about the question of where to place deposits in Moscow banks in 2017? Which financial institutions are reliable companies? But before we look at the ratings of banks, let’s remember what types of deposits there are.

Types of deposits Let us remind you that a bank deposit is sum of money , which the depositor transfers to the bank at interest for a certain period. For ordinary citizens, investing money under bank interest

All bank deposits are divided into two types:

1. 1. urgent ones represent the transfer of savings to the bank for a specified period, after which the depositor is returned his money and accrued interest;
   2. Demand deposits do not have a shelf life; money and interest are transferred to the depositor upon request.

As for individuals, urgent ones are considered the most profitable, because they assume more high interest rates, however, this type of investment is strict early termination agreement, in such a case the depositor will have to pay a penalty to the bank.

Time deposits for individuals in 2017 include several types:

• The classic deposit is the most profitable in terms of interest, but the investor does not have the opportunity to withdraw money early or replenish it before the due date.
• Savings implies partial withdrawal or replenishment of the deposit during the storage period.
• With interest capitalization - in this case, interest is accrued not only on the amount of invested funds, but also on interest for past periods.
• The replenishable deposit can be replenished during the entire fixed period.
• The metal deposit has its own specifics: bank interest is accrued only if the value of the metal in which the savings are stored increases.
• Multicurrency allows you to save your money in different currencies, while exchange rate fluctuations do not affect investments.

Also, some financial institutions offer specialized programs for deposits in banks in 2017, for example, for employees budgetary sphere or pensioners.

Usually a more attractive interest rate or some kind of concession is offered.

We talked about the types of savings, but when a person takes money to the bank, he is guided by two criteria: a high interest rate and reliability. For you, we have compiled a rating of the most reliable banking organizations, as well as financial institutions with the highest deposit rates in 2017. So, let's first consider the stability criterion.

The most reliable capital banks

To clearly understand whether it is worth giving your “hard-earned” money to a banking institution, you need to look at its assets shown in the annual financial statements. Many analysts have compiled their own rating of the most reliable credit institutions in the capital, which includes Sberbank of Russia, VTB, UniCreditBank, GAZPROMBANK, Rosselkhozbank, Otkritie Bank and others. If you carefully study the entire list presented, then banking institutions with state participation, banking institutions with foreign capital are also considered reliable.

By the way, do not forget that the more reliable the bank, the lower the interest rate on deposits it offers, for this moment Almost all large state banks have significantly reduced interest rates on deposits.

You can, of course, open a deposit in less well-known bank under favorable interest rate, but it is worth carefully studying the company's activities; every day many banking institutions are closed for their risky financial transactions.

If we consider the most reliable credit organizations, then now they also have several advantageous offers. What profitable deposits exist in stable banks in Moscow in 2017?

Advantageous offers from the largest banks

Profitable deposits in banks in 2017 can be made in credit companies from the ranking of the most reliable, for example, profitable terms offered by organizations such as Alfa Bank, VTB, GAZPROMBANK, Rosselkhozbank, etc. But Sberbank of Russia and Bank of Moscow have more modest interest rates.

So, what programs do credit institutions offer investors to participate in? Best deals:

1. 1. "Alfa Bank":
      • "Victory" account, you can invest your hard-earned money into this account, if next condition: an amount of over 3 million rubles is deposited for a period of 3 years, interest per annum is 17.28%;
      • A smaller amount from 10 to 250 thousand rubles can be deposited for one year, the annual interest will be 15.62%.

      There is no need to worry about the reliability of this institution, because it is part of the huge Alfa Group consortium and has existed since 1990; in terms of the totality of all its assets, it is one of the most significant financial companies Russia. If you have a large amount of money and are looking for suitable bank deposits in 2017, then Alfa Bank can bring significant income.

   2. "VTB": deposit "Your bonus". The minimum amount is 100 thousand rubles, the period is from 3 months. Annual interest for deposits in VTB banks under the specified program is 14.2%. Financial institution has existed for decades, this company owns not only banks, but also leasing institutions, non-state pension funds, as well as organizations involved in real estate transactions.
   3. Promsvyazbank is included in the rating of the five hundred largest banks in Russia and offers one of the most profitable options for 2017 to date and the annual interest will be 18%. Conditions: accommodation for a period of 32 days or 91 days, minimum amount is 50 thousand rubles, when making a deposit using the online service, the minimum deposit amount is 10 thousand rubles.
   4. "Rosselkhozbank" is a bank with state participation, included in the top 100 most reliable banks according to the authoritative publication "Forbes", this company offers a "Golden" deposit. Conditions under which savings can be made:
      • minimum amount - 1.5 million rubles;
      • term - 1 year;
      • The investor's profit is 15% per annum.

If you place a deposit in the amount of 30 million rubles on this deposit, then the yield will be 17% per annum.

Short-term deposits

If you need to make a deposit for a short period of time, several institutions offer fairly good interest rates. For a period of 1 month, your savings can be placed in the following banks:

• "Sovcombank". "Maximum income." Annual interest rate - 9.3%;
• Rosselkhozbank. "Classical". Annual interest rate - 8.2%;
• "Bank Avangard" "Base". Annual interest rate - 7.5%;
• Tinkoff Bank. "Savings account". Annual interest rate - 7.23%;
• "Alfa Bank". "Accumulative bank." Annual interest rate - 7.23%;
• "UBRR". "Mobile online". The annual interest rate is 7.19%.

It is worth recalling that clients who decide to deposit an amount of less than 1.4 million rubles can rest assured in any case, because even if the bank’s license is revoked, this amount subject to insurance compensation, everything that exceeds the specified threshold is not returned to the investor. Therefore, when entering large sum savings, the depositor must carefully study the documents, and also carefully check the reliability of the bank, because it is better to receive a lower percentage per annum than to completely lose your “hard-earned” money.

Even in difficult economic situation in 2020 there is an opportunity to invest money in such a way as to make money. One way is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.

Deposits from individuals - a traditional way of investing money

There are many ways to invest money to earn passive income. You can buy a currency and wait for it to rise in price, you can make money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring quite high profits, but are also associated with a certain risk. Bank deposits individuals today remain the most reliable and traditional way investing savings in Russia.

Choosing the most profitable investment: what to pay attention to

When choosing a bank to entrust money to, depositors usually pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of your savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts from the agency site tried to do this by studying the terms of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable Russian banks today?

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of contributions to “a common denominator” different banks, we tried to find out which are the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared the rates in largest banks Russia for deposits for a period of 12 months, since this is the most popular investment period. The estimated amount was 1 million rubles. They also tried to exclude the so-called investment or complex proposals with the obligatory investment of money in insurance, mutual funds or shares. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

The most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

Deposit "MEGA Online"

Replenishment / No partial withdrawal / No capitalization / Interest at the end of the term

Bank FC Otkritie

Deposit "Reliable"

No replenishment / No partial withdrawal / Capitalization / Interest accrual at the end of the term.

Promsvyazbank

Deposit “My income”

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Deposit "Savings account"

No replenishment / No partial withdrawal / Capitalization / Interest accrued monthly.

Post Bank

"Capital" deposit

No replenishment / No partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

“Save” deposit

Without replenishment / Without partial withdrawal / With capitalization / Monthly interest accrual in Moscow banks >>

Main types of deposits of individuals

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

✓ time deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot take it back without losing interest or replenishing the account.

✓ replenished deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability.

✓ deposits with partial withdrawal funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued.

Of course, in any unforeseen situation if you need money ahead of schedule When the deposit ends, you can always get them, but you will be sorry for the lost profits. So, when planning to make a deposit in a bank, it is better to decide in advance when you will withdraw the money so as not to lose income.