Bank deposit has the highest interest rate. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals

Content

Knowing how to earn good money is a great art, but even more important is maintaining it and increasing it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Experienced investors know that in order to grow savings, it is necessary to create a portfolio of investments. Money should be placed in different financial institutions under different deposit programs and interest rates, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals?

A large assortment of deposit offers and promotions, differences in interest rates, parameters and terms of placement should not distract from the main task of preserving your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is to assess the profitability, which depends on the annual deposit rate, the capitalization period and the possibility of replenishing the deposit account. Many investors require the freedom to withdraw their funds at a time that suits them.

The purpose of the deposit

To select the right deposit program, decide on the amount you want to invest and the period within which you will need this money. These initial data make it possible to determine your goal for the deposit - to receive short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests funds for a clearly defined period. This provides the opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, a bank deposit insurance program is in place. If the bank loses the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Considering this amount, it is worth making investments in several banks. Choosing the most reliable one will simplify the task of depositing a large amount. The country's population, workers and pensioners have the opportunity to compare bank services and select the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting or effective interest rate, taking into account additional deposits of cash and commissions, differs from the nominal one. Large financial institutions do not offer the highest returns, since they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract investors.

Interest capitalization

Let's assume you made your first deposit for 3 months. After the end of this period, your deposit will be credited with 0.25 of the annual interest rate for the selected deposit program. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of profits received. A simple calculation shows that the shorter the capitalization period, the greater the final income will be at the end of the deposit period. The capitalization period varies from 1 month to the full deposit period.

Deposit amount

Russian legislation does not limit the minimum and maximum investment amounts. For small deposits, it is worth using the amount of compensation for their insurance for calculations. The probability of bank failure in the era of the global crisis remains high. For large investment amounts, from 10 million and above, it is worth choosing reliable institutions. The deposit amount directly affects the interest rate. The higher the minimum entry threshold into the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest rates. The dollar and euro, more stable currencies, are attracted at a lower interest rate. It is worth noting that currency differences greatly affect additional conditions for deposits. For dollars or euros, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available currency programs.

Possibility of deposit replenishment

Some favorable deposit agreements make it possible to top up your account at any time. There are programs where you can only add funds after a certain period of time. The scheme for replenishing the deposit account is a quarterly table that describes the change in the interest rate. This change looks like a staircase in 0.5-1% increments with the highest in the 1st quarter and the lowest in the last. A ban on replenishment in recent months is common.

Interest withdrawal

The deposit term specified in the deposit contract determines the time after which the depositor has the opportunity to access his deposit account and dispose of the money at his own discretion. In the case of monthly interest capitalization, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which with a face value of 100 million rubles or more bring an income of 7.2%.

Where to open a deposit at a high interest rate

Which bank is the most profitable for deposits?

A study by our experts showed that Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the deposit amount. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalized at the end of the term with the possibility of replenishment. Attractive annual rates for other currencies. For amounts over 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Profitable deposits in rubles

Considering the accessibility for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. When entering from 125 thousand rubles under the “Future” and “Investment” programs, the rate is 10.5%. The second most popular program “Katyusha” provides 8.8% per year. Unicredit on deposits offers yields in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. Inbank's "Maximum" deposit will bring 9.38% per year for terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.

To choose the most profitable investment and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help you analyze the effectiveness of your investments. The final return and resulting interest rate differs from nominal and promotional offers. It is necessary to take into account in the calculations additional bank commissions for transferring money to accounts and converting.

It is worth considering the possibility of investing part of your available funds in different currencies, gold and other precious metals. In recent years, the largest banking institutions in the world have chosen Bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the optimal behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show you new directions for acquiring assets and the most profitable investment.

Profitable deposits in foreign currency

We reviewed the most profitable deposit in foreign currency from Development Bank, but deposits with high interest rates are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, and accessibility, the most profitable deposit from Alfa Bank “Pobeda+” with an annual rate of 1.97% in dollars is attractive.

Effective deposit rates for dollars are higher than for euros. The European currency, under the influence of geopolitical problems in Europe, has shown its instability in recent years. The ongoing change in the political elites of the European continent, the new US President, growing tensions between the superpowers, and the prospect of several countries leaving the European Union do not add stability and prospects to the euro for investors.

Deposits in Moscow banks at maximum interest rates

Moscow banks offer the best rates on deposits. BCS, for amounts from 500,000 to 1,000,000, for clients who have entered into DKBO in branches located in Moscow, has launched the “Super Deposit” program for the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will increase your income by 9.15% per annum. Ziraat Bank Moscow in its “Term” deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and extension of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles on the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the “Maximum-Online” program from Dolinsk Bank is from 7.35%. At Center-Invest Bank, the project is “Fixed-term for 1 year with auto-extension” at 8.3% of 15 million rubles. “Our people” at the Trust National Bank will receive 8.85%.

BinBank's "Maximum Interest (Online)" deposit provides a rate of 8.5% for six months, but with interest paid at the end of the term. According to the “All Inclusive - Maximum Online Income” program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with monthly capitalization. Credit Europe Bank offers the “Optimal +” deposit at 8.75% with monthly income payment, and the “Rantier” deposit at 8.6%.

From June 2, 2019, the Moscow Industrial Bank launched the “Spring Traditions” program with a rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are payment of income and capitalization quarterly, preferential termination, replenishment by periods with a “ladder” return from 9.5 to 7%. “Tradition of Success Maximum” offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The “Investment” deposit will bring 8.6% for periods of 180 days with replenishment, capitalization and preferential termination.

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Today, for many of us, the pressing question is which bank is best to contact to open a deposit, what do other people recommend in reviews? Indeed, in connection with the current situation in the economy, when the ruble is depreciating, I want to preserve my savings, and, if possible, increase them.

This approach is the most correct, since simply storing money on a card or on a shelf at home is pointless; part of it will be “eaten up” by inflation. Therefore, it is very important to invest your funds profitably, and making a bank deposit is the safest way to do this.

How to choose a bank to open a deposit?

For many of our readers, it is the initial stage of selecting a banking institution that you can trust that causes many difficulties. If we consider Moscow, then at the moment more than 270 banks have their representative offices there, in total they offer more than 800 different programs for investing funds.

Of course, with such diversity it is difficult to immediately determine who is better. When choosing a bank, you should focus on several main points:

1. Reliability of the company - we recommend viewing the official rating at this link;
2. Experience of the bank, presence of a developed branch network;
3. Its cooperation with the DIA so that your savings are insured up to 1.4 million rubles;
4. Absence of negative stories in the news related to bank inspections, license revocation, fraudulent schemes, etc.
5. Positive feedback from existing clients.

If you are an existing client somewhere, for example, you receive your salary from one of the banks, or have a debit account there, you should first contact a consultant of this particular company. The fact is that most banking institutions offer depositors to place a deposit via the Internet, namely through their Personal Account, and receive increased profitability for this.

How to choose the right program? To do this, you need to look not only at the interest rate on the deposit, but also at the conditions that must be met to receive it.

In particular, do you have an amount corresponding to the minimum contribution, are you satisfied with the timing and frequency of payments. The more additional features you want (,), the lower the percentage will be.

In which bank can I open a deposit at a high interest rate?

We studied the available products on the market and selected the most profitable ones. Here are some great deals from well-known organizations:

1. — offers to sign up for the “Record Interest with Halva” program at a rate of up to 8.8% per year. In this case, you will need to deposit a small amount of 50,000 rubles for 12 months, payment will occur at the end of the term. An important condition for receiving increased income is having a Halva installment card;
2. — in this organization you can apply for a “24 months Plus” deposit with a yield of 8.5%. In this case, you will need to make a small contribution from 1 thousand to 730 with the possibility of replenishing the account within the first 30 days;
3. - here the “Profitable” product is offered to clients with a rate of up to 8.5% when registering via the Internet, and if through the office - up to 8.35%. In this case, you will need to make a contribution of 3 thousand, the duration of the contract is from 1 month to 3 years. Interest is paid at the end of the term;
4. There is a “Profitable Premium” deposit, to open which you will need to deposit at least 100 thousand for 366 days, you can get 8.5%. It provides for replenishment and monthly payments;
5. Vostochny Bank offers to apply for the “VIP Deposit” program with a maximum rate of up to 8.45%. The client must deposit at least 1,500,000 rubles for 31-1097 days. with the possibility of partial removal. You can receive income at the end of the term, you can find out more;
6. At Tavrichesky Bank they will be able to offer you the “Tavrichesky Maximum” product, which is valid for 91-730 days. In this case, amounts from 50 thousand are accepted, the maximum yield is up to 8.4% per annum with payment at the end of the year;
7. - this company has an offer called “Renaissance Profitable” with a maximum interest of up to 8.30% per year. The contract is concluded for 91-550 days, for new clients opening through a branch is available with a contribution of 30,000 rubles, for those existing through a Personal Account - from 5,000 rubles;
8. Orange Bank has a share - the “Spring” deposit with a yield of 8.3% per annum. The client needs to place a large amount of 500 thousand rubles for 730 days. Interest is paid at the end of the term, you can top up your account and terminate the contract early on preferential terms;
9. The International Financial Club is ready to offer depositors the “MFK Maximum” deposit with an interest rate of up to 8.30%. They accept amounts from 100,000 rubles for 6 or 12 months, pay profit at the end of the term, replenishment is allowed;
10. In honor of the holiday, Expobank can open a seasonal offer called “Anniversary 25”. It has a rate of up to 8.25% per year, you need to place at least 100,000 rubles for 181, 270, 360 or 550 days. Profits are paid at the end of the contract; additional amounts can be deposited into the account.

Sberbank of Russia is where most of our fellow citizens prefer to turn. There are several deposit programs that are designed for the general population (deposits from 1000 rubles are accepted for a period of 1 month). The maximum yield will be up to 5.75% per year. Find out more about the offers offered by

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• Banking discussions

  RF Armed Forces: case of withdrawal of deposit on the eve of the bank collapse

  The matter reached the RF Armed Forces. The troika, chaired by D. Kapkaev, indicated that transactions from March 1 fall within the period of six months before the appointment of a temporary administration, the rest - within a month. To invalidate the transactions of March 29 and 30, the DIA must only prove that when issuing money from deposits, the defendant

  May 14, 2019

• New Product

  National Standard Bank presented a “Holiday” deposit

  On the eve of the May holidays, National Standard Bank introduced the “Holiday” deposit service. The main feature of the deposit: the ability to withdraw funds from the account, as well as replenish the deposit without restrictions. The promotional deposit can be issued until the end of the current month. The minimum amount of the “Holiday” deposit is

  May 14, 2019

• New Product

  Far Eastern Bank expanded its line of online deposits

  The Far Eastern Bank has added new deposit services, issued online. The maximum rate on the “Millionaire Online” deposit is 5.9% per annum. The rate is provided when placing funds for 12 or 18 months. The minimum amount to be placed within the product is 3 million rubles or 35 thousand dollars/euro.

  April 26, 2019

• New Product

  "Uralsib" presented the contribution "Cranes"

  Uralsib Bank offers to issue a seasonal deposit “Cranes”. Under the program, available funds can be placed for up to 700 days (almost 2 years). The amount to be placed is from 50 thousand rubles. The deposit is not replenished. Expense transactions on the deposit account are prohibited. The return on the deposit reaches 8% per annum. Connect to

  19 Feb 2019

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  “Ring of the Urals”: ​​Tatyanas are the most active investors

  According to the Ring of the Urals bank, the name Tatyana is the most “monetary” female name in the Russian Federation. Tatyana accounts for about 5% of all “female” deposits. The TOP-3 rating of the most active domestic depositors also includes Elena (4.2% of the total number of deposits) and Olga (3.8%). At the same time, the volume of Tatiana’s deposit portfolio

  01 Feb 2019

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  Depositors of Pervomaisky will receive 6.1 billion rubles, RIB – 7.3 billion rubles

  On December 5, the state corporation “Deposit Insurance Agency” will begin issuing through agent banks the money that Russians kept on deposits in the “Pervomaisky” and Russian Mortgage Bank. Let us recall that the regulator deprived the organization of its license at the end of autumn. Relevant notices are posted on the DIA Internet resource.According to

  04 Dec 2018

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  ATB introduced the ruble deposit “Piggy Bank!”

  Asia-Pacific Bank clients have a new way to accumulate funds. The main feature of the new ATB deposit “Kopilka!” – progressive income scale. A minimum rate of 7.2% per annum is provided when placing at least 50 thousand rubles on a deposit account. The maximum income of 7.5 percentage points is possible

  22 Nov 2018

• New Product

  Sberbank offers to open a “football” promotional deposit

  For the opening of the World Football Championship taking place in our country, Sberbank introduced a new deposit called “Win”. The rate of return within the deposit service is 6% per annum. The minimum deposit amount is set at 50 thousand rubles. Funds can be placed for six months. Initially, the “Win” deposit can be

  June 26, 2018

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

This page contains a collection of banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the “Apply” button - you will be redirected to the bank’s website.

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

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

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

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

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

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

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

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply huge. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a return slightly below average, because they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various investment options.

Which bank should you prefer?

Naturally, you shouldn’t go to the first bank you come across that offers a sufficient interest rate. It should be analyzed according to at least several parameters:

• founders and partners - it may well turn out that “at the helm” there are people who are unlikely to be trusted;
• financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, paying special attention to the ratio of assets and liabilities, profit received during the reporting period and the size of the authorized capital (the more, the better);
• position in international and national ratings, including “national” ones (on the websites banki.ru or sravni.ru);
• availability of insurance - if deposits are insured by the DIA, then if the bank’s license is revoked, nothing will threaten the clients’ funds.

You shouldn’t just look for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you create the right investment strategy:

• deposit term;
• is early withdrawal possible and under what conditions;
• interest payment procedure;
• presence or absence of capitalization;
• possibility of replenishment;
• does the interest increase as the amount of savings increases, etc.

The highest rates on deposits in Moscow banks today: first 20

Among the many banks in the capital, the 100 largest were selected, and the 20 most profitable were selected from the deposits they offered. Other selection criteria:

• currency - ruble;
• minimum amount – 100,000;
• period – at least 1 year.

These parameters helped us select the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate

Due to the depreciation of the ruble, many clients have become interested in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but exotic currencies are also gaining popularity - pounds, francs, yen, Australian dollars, and recently the yuan and the “Canadian” are gaining popularity. However, the most popular is still the US dollar.

• currency - dollar;
• amount – from 1,000;
• period – at least 1 year;
• The bank is one of the 200 largest.

It should be noted that some foreign currency deposits in Moscow banks at the maximum interest rate in the TOP-50 are part of a multi-currency deposit, which will be marked accordingly if this is not clear from the name of the deposit. With such deposits, it will not be possible to invest only in dollars; you will need to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.