Bank rates on deposits in rubles. In which bank to open a deposit at a high interest rate? Deposits in the bank "Sberbank of Russia"

Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating: foreign exchange market, investments in cryptocurrencies, investing in shares of companies and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

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

The best interest on deposits in banks

Trust finance should be only 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 period 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 there be not only high percent but also accompanying conditions that are comfortable for the depositor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled current list the most profitable investments.

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

minimum amount- 100,000 rubles;

terms and interest:
at 91 days - 6.6%;

for 181 days - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, preferential terms make the process fast and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

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

"Maximum income" (Moscow Credit Bank)

Conditions:

the minimum amount is 1000 rubles; $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 the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions interest is surcharged. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank 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, dollars euro;

the minimum amount is 30,000 rubles; $5,000; 5000 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% (“Halvah”);

upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).

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 through 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%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; 1000 US dollars; 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%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate goes up if you own pension card this bank.

"Maximum Interest" (Binbank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

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

terms and interest for ruble deposits:
when opening at 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 at 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 validity period of the deposit, it is impossible to 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 of deposit opening - from 31 to 1460 days;

the minimum amount is 3000 rubles; $50;

interest rate for ruble deposits - up to 6.70%;

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

One 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 an online deposit - 30,000 rubles;

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

terms and interest when opening a deposit in 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 withdrawing funds 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 for the 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; $500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euro - 0.01–0.20%.

You can not 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; $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%;

for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

for an amount from 1,000,000 rubles - 6.0–6.4%;

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

in the amount of $10,000 or more - 0.40–1.50%;

interest rates for euro deposits:
for amounts from 500 to 10,000 euros - 0.01%;

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

A 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 period, but at the end calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; $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 which financial institutions today .

How to calculate the return on a deposit?

Calculating interest according to bank conditions 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 term. The calculation is made in the following way: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 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, you should calculate like this: N*(1+P*d/D/100)n-N, where

N - the initial amount of the contribution;

P is the interest rate;

d- calendar days, after which new interest is charged (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 calculated (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 try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, 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 it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a 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 term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

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

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, 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 conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income guarantees the capitalization of interest. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.

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

Deposits of individuals - a traditional way of investing money

There are many ways to invest in order to receive passive income. You can buy a currency and wait for it to rise in price, you can earn 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 fairly high profits, but they are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way of investing savings in Russia.

Choosing the most profitable deposit: what to look for

When choosing a bank to entrust money to, depositors, as a rule, 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 savings even during a banking crisis.

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

What deposits in reliable Russian banks are the most profitable today

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

In order to somehow bring "to a common denominator" the parameters of contributions to different banks, we tried to find out what 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 on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).

Most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FK Otkritie

Deposit "Reliable"

Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.

Promsvyazbank

Deposit "My income"

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

Savings account deposit

Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.

Post-bank

Deposit "Capital"

Without replenishment / Without partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

Contribution "Save"

Interest rate

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

Today, Moscow banks offer big number various kinds profitable deposits for individuals. But all of them can be divided into several groups:

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

✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw funds from the account and not lose profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.

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

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

Most deposits that are issued at maximum interest have common features. They cannot be replenished, it is also forbidden partial withdrawal money without losing interest. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.

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

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

Deposits with the highest interest rates today

Thinking where to invest money in 2020 so that they work, many are wondering: which bank has the most a large percentage by deposits. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

7,3%
bid

from 50 000
sum

375 days
term

For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Takeoff"

up to 7.0%
bid

300000 — 500000
sum

from 1 day
term

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

up to 6.17%
bid

from 100 000
sum

368 - 1800 days
term

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

up to 5.55%
bid

from 3 000
sum

31 days - 3 years
term

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

up to 5.5%
bid

750 000
sum

1 year
term

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

before 5,25%
bid

from 100 000
sum

122 - 731 days
term

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

"150 years of reliability"

before 5,1%
bid

from 500 000
sum

3 – 36 months
term

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

up to 5%
bid

from 15 000
sum

3 months - 3 years
term

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB bank

up to 5.0%
bid

from 30 000
sum

180 - 380 days
term

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

up to 4.92%
bid

from 10 000
sum

92 days - 3 years
term

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

up to 4.54%
bid

from 1 000
sum

1 month - 3 years
term

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

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

High interest deposits for 6 months

High interest deposits for 1 year

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

What is the safest amount to open deposits?

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

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

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

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

Reliable banks with high interest on deposits Glad to see you again! The other day King's new book came out, so I, as an avid reader, went to the store for a novelty.

Already when I approached the checkout, it turned out that the device did not want to punch through the coloring pages of one married couple.

While I was waiting for my turn to come, I witnessed the conversation of this couple.

The man intended to invest in a bank, but could not choose which one.

My wife could not advise anything decent, so I could not resist and got into the conversation.

High interest deposits - which banks have higher interest rates?

Perhaps everyone who is thinking about investing money is looking for a deposit at a high percentage. It is the interest rate on the deposit that is the first criterion by which deposits are compared with each other. However, such a comparison would be incomplete.

It is also important to take into account such a factor as risk. As is known, State System deposit insurance guarantees each depositor of a bank participating in this system the safety of savings in the amount of up to 1,400,000 rubles. However, here is what a potential contributor needs to remember.

A warning!

Most reliable bank- this bank is not only large, but also the least risky. Lending institutions with the participation of the state are the least inclined to risk - and our people are used to trusting the state somewhat more than private business.

No wonder that it is the banks with state participation that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.

Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.

Private banks from the Top 50 are the choice of people who, more trusting in private capital, prefer high income by deposits. The fact is that these banks vigorously issue loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).

Among the most popular banks in this group, one can mention Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of Russian banks). Now let's look at what the banks mentioned above offer their depositors by the beginning of the new year, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank currently offers the following deposits:

8 time deposits in rubles, dollars or euros (from 2.3% on " Savings account» up to 6.49% on the «Save» deposit in rubles);
for wealthy clients who prefer other currencies - the "International" deposit (in British pounds, Swiss francs and Japanese yen - at 0.01% per annum);
3 deposits for owners of Sberbank First and Sberbank Premier service packages - Special Save, Special Replenish and Special Manage with increased rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
3 online deposits in rubles, dollars or euros (rates are higher than term deposits, on average by 0.1%);
3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.

It is possible to choose replenishable and non-replenishable deposits, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “on the shoulder” for any person.

VTB 24

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

3 deposits opened in bank branches - Comfortable, Accumulative and Favorable at rates from 0.01% to 7.75% per annum.
3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3 contributions to special conditions for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
1 savings deposit with flexible conditions at 0.01 - 8.50% in rubles.

Gazprombank

This bank has a total of 7 deposits: 1 investment, including investments in mutual funds (up to 9.70%), 5 savings deposits for various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).

There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).

Attention!

The remaining deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

Interest rates here are noticeably higher compared to the banks described above, but the placement conditions are somewhat tougher (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new "Seasonal" deposit, which can be opened until January 31, 2017 for 400 days, assumes 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.

The bank also offers 3 basic term deposits: "Maximum income", "Maximum growth", "Maximum comfort" with rates up to 8.46% on ruble accounts, up to 1.61% on dollar accounts and 0.01% on euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings ruble account (up to 5%) and special offers for privileged clients.

We can say that deposits in this bank are beneficial primarily to a client with a large amount or who wants flexibility in replenishing / withdrawing funds. When opening deposits via the Internet or an ATM, 0.3% is added to ruble rates and 0.1% to foreign exchange rates.

Russian standard

This bank offers 4 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.

Advice!

Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is a logical "fee" for a depositor for a high income.

Home Credit

Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles(up to 9.34% per annum).

Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment on a certain amount. Thus, Home Credit is a good choice for those who want to good income and places funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles/dollars/euro, including multicurrency. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and deposits/withdrawals.

MTS Bank

Best bank deposits in 2017: conditions and interest rates The former IBRD offers 9 deposits in rubles / dollars / euros, including multi-currency and pension. Rates in rubles from this bank lie in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.

Additional 0.30% to base rate can be received by clients opening a deposit in the Internet Bank, as well as payroll clients, up to 0.40% of the rate - with a deposit amount of 4 million rubles.

Thus, it is most profitable to put money on deposit in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. High-interest deposits in Moscow are issued, as a rule, by banks specializing in consumer lending(Russian Standard, Tinkoff, Home Credit).

But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

source: http://website/www.vkladvbanke.ru

The issue of saving and increasing funds is always relevant. One of the most reasonable and safest options is to open a bank deposit.

A warning!

Which bank and deposit to choose for maximum profitable investment funds in 2017? What criteria, besides the interest rate, are important?

We offer an up-to-date overview of the best conditions for deposits in Russian banks.

What deposit is better to open?

To begin with, let's try to conduct a small educational program to figure out what the level depends on interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:

Rising inflation and devaluation of the ruble.
Decline in the growth rate of household deposits.
Competition among banks for depositors.
Change of the key rate by the Central Bank of the Russian Federation
outflow foreign investment and the blockade of the debt market, that is, the lack of liquidity and funding (raising funds from organizations).
Changes in legislation (until December 31, 2015, there was a benefit: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount insurance compensation on deposits from 700,000 rubles. up to 1,400,000 rubles).

Reference Information

The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take their funds for storage.

Attention!

Is the main indicator monetary policy. Directly affects the level of interest rates on deposits. Since August 3, 2015, it has been equal to 11% and remains unchanged until December 11, 2015. This is the fifth reduction of the key rate since December 16, 2014, when it was set at 17%.

Some confusion is introduced by the concept of "refinancing rate", which is also used in lending to private financial institutions, but from the moment the key rate was introduced, that is, from September 13, 2013, it is of secondary and reference nature, and from January 1, 2016 it is equal to the key rate, as stated in the document "On the system of interest rate instruments of monetary policy Bank of Russia".

In addition to the above, it should be noted such a monitoring tool of the Central Bank of the Russian Federation as “The maximum interest rate of ten credit institutions attracting the largest volume of deposits from individuals”, which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.

To date, the Bank of Russia forms the "big ten" of the following banks:

Sberbank of Russia;
"VTB 24";
"Bank of Moscow";
"Raiffeisenbank";
"Gazprombank";
"Binbank";
"Alfa Bank";
"Bank FC Otkritie";
"Promsvyazbank";
Rosselkhozbank.

This monitoring is carried out by the Department banking supervision Bank of Russia using open information presented on the official websites.

In the third ten days of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions that attract the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.

Advice!

In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.

What else is useful to know about the average maximum bet? From October 2012, the Central Bank of the Russian Federation categorically did not recommend that all private banks exceed the indicator established during the monitoring by more than 2 percentage points (percent), from December 22, 2014 - by 3.5%, from July 1, 2015 allowed any an increase in exchange for an increase in the contributions (deductions) of credit institutions to the Deposit Insurance Fund (DIF).

Banks' fees for increased risk are set as follows:

if the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
if the interest rate on the deposit does not exceed the maximum rate by 2–3%, the credit institution is charged a fee at an additional rate of 0.12%;
if the bank raises the level credit rate by 3% or more of the average maximum, then he pays an increased additional rate - 0,25%.

What conclusion should ordinary savers draw from this information? If the level of profitability of the deposit, according to the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore private bank and pays contributions to the DIA at an increased rate.

For ease of understanding, here is an example from the previous methodology of the Bank of Russia:

The current average maximum deposit rate is 9.93%.
The maximum recommended excess of the rate level is 3.5%.
The maximum acceptable (with a maximum level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.

So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can either deal with an unstable credit institution or one that conducts risky operations.

In fairness, we note that at the moment all deposits in one bank in the amount of up to 1,400,000 rubles are “protected” by the Deposit Insurance Agency (DIA), so the banking system takes on the risk to a greater extent than depositors.

But there's little comfort in the thought that you might run into a bank that has had its license revoked or filed for bankruptcy. In annual terms, inflation in 2015 is at the level of 16%, however, there are all prerequisites for its significant slowdown in 2016–2017.

Looking at the dynamics of the decline in the key and average maximum deposit rates, we can assume that, unless something extraordinary happens, the key rate will continue to decline, and interest rates on deposits will decrease along with it.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits under good interest which may not be available in the future.

In winter, the market is livened up with special seasonal products. Despite the fact that the number of interesting deposit offers is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find best contribution in rubles or in foreign currency, then this review will help you.

Ruble or currency deposit?

The incomes and consumption of the vast majority of Russians are oriented toward rubles. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, the rates on ruble deposits may rise, and it is advisable not to miss such a moment.

A warning!

Despite the fact that Russians traditionally consider the currency a more stable option for saving money, in the current unpredictable situation, it is quite dangerous to choose it, since this moment the euro and dollar rates are extremely high and the ruble has more or less stabilized.

If in the short term there is a significant strengthening of the ruble (which is possible with the easing of sanctions or an increase in oil prices), then the foreign currency deposit will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.

If you are not one of these people, then a deposit in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the vast majority of Russians are focused on rubles, which means that they need to be saved.

Term deposit or demand deposit?

All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the depositor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (the profit from such a deposit will not even cover monthly inflation).

Term deposits are placed for a certain period, until the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. Term deposit more often placed for a year, less often - for several months.

The deposits with the longest holding period are sometimes given the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.

Replenishable or non-replenishable deposit?

Contributions are classified depending on the degree of control of the depositor over the invested funds. When opening a non-replenishable deposit, any replenishment or withdrawal operations are prohibited - for them, banks offer the most profitable terms placement of funds.

Replenished deposits allow you to deposit money into the account during the term of the contract, which is convenient for the systematic accumulation of a large amount of money. Some banks offer reloadable deposits that allow the customer to make spending and credit operations. As already said, Better conditions provided on non-replenished deposits.

The best deposits in rubles

At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is on the decline. Recall that in December 2016 the Bank of Russia sharply increased key rate up to 17%, thereby causing an increase in deposit rates up to 21-22%.

Throughout the year, the indicator was decreasing: already in June 2016, the average rate on ruble deposits was 14–15%. Now the maximum yield is at the level of 12-13%.

Experts' forecasts are very ambiguous: most expect further reductions, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the contract.

Moscow Credit Bank provides deposits with a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa- Bank" - up to 10%, "Raiffeisenbank" - up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is ready to offer.

The best conditions for deposits can be found in small private banks. But we recommend Special attention turn to the terms of early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.

The best deposits in euro

The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on euro deposits is about 2.5-3%.

Attention!

Leading banks with high interest rates currency deposits, again, they are not encouraging: the average annual percentage is about 1.5–2.5%. For example, the euro deposit option can be found at UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. In Bank Saint-Petersburg, you can count on a rate of 2.8% when opening an on-line deposit for a period of 5 years in the amount of 50,000 euros. Interest is paid at the end of the term of the deposit.

"Moscow Credit Bank" offers a deposit of 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.

The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive conditions for deposits.

In the current economic situation, of course, it is more appropriate to focus primarily on the reliability of the bank. It will also help you heal. banking sector: inefficient banks will be automatically forced out of the market. However, one should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite solid ones, having branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.

Best dollar deposits

The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions are offered for deposits. In "UniCredit Bank" you can place a deposit from 20,000 USD.

Advice!

USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of Binbank: by placing an amount of 25,000 US dollars or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).

The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with such a percentage if he has 50,000 US dollars and 915 days before receiving income. On average, the largest Russian banks are ready to offer annual rate within 2.8–3.5%.

source: http://site/www.kp.ru

How to choose a reliable bank for opening a deposit?

I think many of you are asking yourself the question: “How to choose a reliable bank” when planning to open a bank account, get a loan or a mortgage.

Interest in this topic is explained simply: firstly, this is another small step towards mastering the basics financial literacy. Remember, we talked about this in the article “Savings and financial literacy need to be learned”?

Secondly, this is the first small step on the way practical application acquired knowledge, to which I was pushed by a far from new and not at all original thought: “money should work”.

A warning!

And how to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?

I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with the type of investment, which, in fact, is not an investment, but rather a way to accumulate funds - bank deposits.

How to choose a bank for a deposit

Why did I decide to start with this ancient and popular product? Because in our Everyday life we most often encounter banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We do not experience stress, giving our money to the bank. And we are not afraid to lose our money, because, you see, the risk here is minimal.

And it does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, PAMM-accounts, investments on stock market, in works of art, antiques, precious metals.

But we do not always know how efficiently our money can work in different banks. Different deposits under different conditions and in different banks can bring completely different income.

Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what percentage.

There are many questions, let's go in order

The economic situation in our country now can hardly be called stable. The slowdown in the growth of our economy, which began in 2013, was exacerbated by recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.

And yet, we still, and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.

To hoard or not to hoard?

The accumulation of money in itself, as a process, I think for the majority is a boring and monotonous activity. You have to be a real Plyushkin to save money for the sake of money.

But if the implementation of the long-desired looms ahead, it’s a completely different matter.

Attention!

What do you specifically want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? It really motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.

Goals will be achieved if they are set clearly and specifically. Believe it or not, this has happened to me more than once.

Bank deposits (deposits)

So the goals are set. And we are back to our deposits. To make it clearer, let's start with the terms.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and under certain conditions of the agreement in order to save them and generate income.

These are client funds that are subject to mandatory return upon expiration of the contract or at the first request of the client. But at the time of placement on deposit, the bank manages them.

It's very popular banking product, which arose almost at the same time as banking system. Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.

What are the contributions?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pluses or minuses.

But basically, deposits are divided into three main groups depending on:

from the term of the deposit - deposits "on demand" and term deposits
from the possibility of replenishment - replenished and non-replenished
on the type of deposit currency - deposits in rubles, foreign currency or multi-currency deposits.

From the period of placement of money in the bank.

What is the difference between term deposits and demand deposits? Interest is paid on time deposits that are placed for a certain period (from 1 month to several years).

If the client withdraws his money before the end of the term, stipulated by the agreement, then the bank can fully return only the initial amount of the deposit, while the interest on the deposit can be partially accrued.

Some banks, upon early termination of the contract, may return the fully accrued interest, but usually such deposits have low interest rates.

Advice!

On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and interest rates on them are much lower than on time deposits.

Replenishable and non-replenishable deposits

Everything is clear here. If the deposit is replenishable, then this means that additional amounts can be deposited into the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is non-replenishable, the initial deposit amount cannot be increased, and interest will be charged only on it.

In what currency to open a deposit?

In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.

A feature of multicurrency deposits: on one account, you can place several amounts in different currencies, each of which will accrue its own interest.

It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.

How to choose the most profitable deposit?

What do you usually pay attention to when choosing a deposit? Of course, on interest rates (equivalent to monetary reward, which the client receives for having provided the bank with his funds for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (the annual interest rate is always indicated in banks), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenishable or not, on its type (urgent or “on demand” ), from capitalization and some other factors, which we will talk about later.

A warning!

Let's make a reservation right away that very high interest on deposits is not always a sign of a good bank.

Usually, after the conclusion of the agreement, the bank cannot unilaterally change the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).

How are interest rates calculated on deposits?

The first option: at the end of the deposit term, interest is charged on the initial amount.
The second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, interest is transferred to a plastic card or other account.
The third option: capitalization of interest on the deposit.

This means the following: interest is added to the deposit amount for certain period, and in the next period, interest will accrue on a larger amount.

This method of paying interest is sometimes called "compound interest" and can be made once a month, once a quarter, once a year, or in connection with the expiration of the contract.

Attention!

As already noted, deposits with capitalization usually have more low interest, but the income may be higher.

And a few more concepts that you need to understand when referring to bank deposits.

Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placement of a deposit on new term without the participation of the client.

If no rollover is provided, the funds (principal plus accrued interest) will be transferred to the customer's account and no interest will accrue from that moment on.

In order to resume their accrual, you need to come to the bank and open a new account. True, it must be borne in mind that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.

To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.

Profitable deposits in 2017

So, we found out what deposits are, how interest is calculated and what are the conditions for various deposits. We also figured out that the interest rate, which ranges mainly from 3 to 10 percent, depends on many factors.

Bank rating

The goal you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest, ignoring possible risks and loss. Someone is more satisfied low rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, and reliability are important.

Often you can find good offers in banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks arrange for some occasion for a short time.

Advice!

For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit at a lower interest rate.

But in general, this way of investing, which includes bank deposits, today is not the most profitable option. The size of the rates compared to what it was a couple of years, is significantly reduced. And to find, for example, a contribution at 10% per annum, you need to try very hard.

And you need to understand that there is such a rule: more bank offers deposit options (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to look for information about banks?

There are a lot of banks that offer us their services in our country. And sometimes the search suitable bank may extend over a long period of time. I hope these simple tips will help you navigate this issue.

One way to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly made up of such Russian rating agencies, such as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.

Large international agencies (Fitch, Moody's and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.

You can also draw certain conclusions by reading the bank's credit statements, which are published on the website of the Central Bank or on the website of the Bank of Russia. But to understand these reports, perhaps, only a specialist can do it. We, ordinary clients, can try our luck on the Banki.ru portal, where information is already presented in a more accessible form, which even a non-professional can understand.

A warning!

The reliability of a bank is determined by its financial performance. For analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current months.

A sign of the bank's reliability and stability is its large assets at the moment and their increase compared to previous periods. Also testifies to the reliability of the bank, the amount of its own funds(authorized capital).

According to news agency Finmarket, as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, Binbank, Bank Vozrozhdeniye ”, CB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, Ministry of Finance, Moscow credit bank, Nomos-Bank, Nordea Bank, Petrocommerce, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB Rossiya, Sberbank RF, Svyaz-bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HKF-bank , UniCredit Bank.

The need to assess the reliability of the bank based on an analysis of reporting, paying attention to criteria such as deterioration or violation of mandatory banking organization standards (which may lead to the revocation of the license), for outstanding own payments and difficulties encountered in repaying own debts, for large cash flows that significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares ( this could be a signal that the bank is in big trouble in the near future), any sharp declines in the balance sheet without justification.

Such information can be found in the reporting on the website of the Central Bank, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which will at least partially help reduce the level of risks.

2. For the size of the bank. to major federal and regional banks almost 100 percent applicable expression: "Too big to fail." Information about their assets, which testify to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.

3. On the bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal), at least it should alert.

4. For falling ratings which may be downgraded by rating agencies. The fact that credit institutions have no rating is also alarming (which may serve as evidence of the bank's reluctance to provide information to rating agencies, trying to hide something negative).

5. At high deposit rates. Inflated rates, which are significantly higher than the average level, or their sharp increase may be evidence that the bank does not have enough own funds. And, trying to attract more customers through more profitable, at first glance, offers, credit institution trying to pay off his debts. This may indicate an increased risk.

How do you know if it's overpriced or not? In this case, you can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions, which attract the largest volume of deposits of individuals, published central bank. In March, the maximum rate on deposits was 8.35%.

6. To change the work schedule. Reducing the bank's working hours (reducing the number of working days and the period of work during the day), reducing staff - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems that have arisen during the cash transactions(e.g. cash withdrawal delays, deposit closures, quality of service), and massive closure bank customer accounts. You can find out about this from the reviews on various forums.

Deposit insurance - additional security measures

What will happen to our deposit if, nevertheless, we made a mistake and our bank went bankrupt or its license was taken away?

This question worries all investors. In the case of bank deposits, you should not be afraid for your savings, if they do not exceed the amount of 700,000 rubles.

Since October 1, 2008, a system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for customers. If such a nuisance happens and your bank is closed, within 14 days after the occurrence of the insured event, the deposit amount will be returned to you.

Deposit insurance system

In one bank maximum amount compensation will amount to 700,000 rubles for all deposits. This point deserves special attention.

That is, if you have several accounts opened in one bank for a total amount of, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more expedient to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.

For example, by depositing 500,000 rubles in two banks, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.

But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.

Now actively discussed government bill on increasing deposit insurance from 700,000 to 1 million rubles (in the first reading, this bill was adopted by the State Duma last year).

So how do you choose a reliable bank?

Before entrusting your money to one or another bank, be sure to check that the bank belongs to Russian system deposit insurance. This is easy to do: you can now find information on any bank on the Internet.

A warning!

To get started, select all the banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.

From this list, choose the deposits with the highest interest, having previously made comparative analysis by profitability in different banks. The more you study offers on deposits and deposits, the more chances you have to find the best option.

Find out if the bank provides fees and commissions for any Additional services(for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of early termination of the contract.

Read the contract carefully! The optimal solution, in my opinion: the reliability of the bank and a relatively high percentage. But at the same time, one should not forget that sometimes for excessive high stake the big problems of the bank are hidden, which he is trying to solve at our expense.

A thoughtful approach, careful analysis and deliberation in making a decision will make it possible to right choice. But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.

All banks are interested in attracting as much money from depositors as possible to their accounts. To this end, there is a wide range of deposits. High interest is not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

With all the differences, deposits can be conditionally divided into three groups, depending on the possibilities of managing accounts: income-generating (without the possibility of replenishing and withdrawing money), replenished and with the possibility of using funds.

Choosing the highest percentage is easy, but what if you urgently need money? Here come to the rescue savings programs with the right of partial/full withdrawal of money. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract period without the ability to manage and use ahead of schedule in cash. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in various banks are relatively equal:

You need to select a specific offer.
Deposit an amount not lower than the indicated minimum.
Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

Bank of Moscow "Correct Answer"

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

VTB 24 Profitable

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenished deposits

Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

Gazprombank Accumulative

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and 500 €.

VTB 24 Accumulative

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Raiffeisen Bank Personal Choice

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

Bank Trust "All Inclusive" with the possibility of replenishment

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

Gazprombank. Product "Dynamic" It has additional opportunity replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, $ 1,000 and € 1,000.