Rating of deposits for the long term. Settlement and cash services Long-term deposits

This review will help you choose best deposit those investors who decide to open a long-term contract with monthly income in the form of rent. In banking terminology, rent usually means the procedure for paying interest once a month and without capitalization. The amount of rental income is transferred to a separate account or bank card, where interest on the account balance is no longer accrued.

For ease of comparison, the text shows the result of calculating the monthly rent. Please note that the amount of income will be different each month, because it depends on how many days there are in the month (from 28 to 31). The amount of the maximum monthly annuity in each of the described deposits is calculated for a capital of 1 million rubles, subject to its placement for a period of 3 years at the maximum possible rate for these conditions.

Bank "Express-Credit", deposit "Optimal"

Most high income Among the deposits of our rating, Express-Credit Bank offers. The interest rate is 10.51% and exceeds the average rate in Russian banks(8.27%) for February 2014. In addition, "Optimal" is one of the few deposit products where the amount of accrued interest does not depend on the amount of investments. The minimum deposit to open an account is 50,000 rubles.

3 years is the maximum possible period for which savings can be placed here. The maximum monthly profit for every million rubles will be about 8,700 rubles (depending on the number of days in a month). However, you can choose to pay interest at the end of the three-year period, then the amount of the full payment (without capitalization) will accumulate up to 315,300 rubles. all in all. The deposit is non-replenishable, without partial withdrawal, early termination - at the rate of "On Demand" accounts.

Bank "Eurokommerz", deposit "Active"

The minimum amount to open this deposit is only 2,000 rubles. At the same time, the size of the deposit does not affect the interest rate, which, with a storage period of 3 years, is 10.5%. The maximum contract is for 5 years.

The monthly income for 1 million rubles will be about 8,650 rubles, and the total for 3 years will be about 315,000 rubles. The deposit can be replenished for the first 2 years without restrictions on the amount of additional contributions, and if necessary, you can close the account ahead of schedule at 3% per annum.

Moscow Regional Bank, "Record" deposit

Many banks offer a gift bank card when making a deposit. In most cases, the issuer will charge the client an additional fee for annual maintenance. But Mosoblbank exempts its depositors from subscription fee for the 1st year of service.

The minimum amount for opening is 300,000 rubles for a period of 2 years, the rate is 10.5%. Monthly and total income for 3 years will be similar to the previous product (8,650 and 315,000 rubles, respectively). The deposit can be replenished without any restrictions, partial withdrawal of funds is allowed up to a minimum balance of 100,000 rubles. Early termination occurs on preferential terms.

National Bank "Trust", deposit " Honorary Client 2014"

This deposit can be opened only by regular customers of the bank. The interest rate will depend not only on the term, but also on the amount of investment. At minimum term 1 month and the amount of 3,000 rubles, the income will be 6.4%, and with a maximum term of 3 years and an amount of 1 million rubles - 10.3%. Consequently, maximum income for a month will total about 8,500 rubles, for 3 years - 309,000 rubles.

The deposit can be replenished with amounts from 3,000 rubles. Early closure of the deposit at a rate of 7% after 90 days of the contract term is also allowed. When opening a deposit remotely (through the TRUST ONLINE service), the interest rate increases by 0.2%.

Russian Trade Bank, deposit "Without loss of interest"

Typically, banks change the deposit rate to the minimum “on demand” value (0.05-0.1%) if the client wishes to withdraw his money ahead of time end of the contract. Russian contribution Trade Bank one of the few that in this case offers benefits, and these will be the most Better conditions among the products we have selected. The deposit rate is fully preserved, and interest is calculated based on the actual presence of funds in the account.

The minimum amount for opening is 30,000 rubles, and the storage period can be from six months to 3 years. The deposit can be replenished, but not later than 30 days before the end of the deposit term. Monthly income with an investment of 1,000,000 rubles will be 8440 rubles, for 3 years you can get 308,100 rubles.

Vneshprombank, deposit "Long-term 2014"

Deposits that provide a monthly annuity rarely involve capitalization of interest. However, this deposit of Vneshprombank makes it possible to capitalize interest on a monthly basis, thus increasing its profitability. With an investment amount of 500 thousand rubles and a placement period of 3 years, the interest rate is 10.15%. Interestingly, with the same deposit amount and a period of 5 years, the rate will be already 9.5%.

The monthly income will be 8,340 rubles, and for 3 years - 304,500 rubles (taking into account capitalization up to 354,200 rubles). Receipt operations on a deposit are possible without restrictions, but expenditures will lead to the recalculation of interest at the “On Demand” rate.

Bank People's Credit, deposit "Always in the black"

When making this deposit, a bank account is provided. Maestro card- NARCRED EXPRESS, which subsequently accrues interest, at the choice of the client, monthly or at the end of the term. The only placement period of 1100 days (3 years) is calculated just for rentiers, the purpose of which is to receive regular income. The minimum initial deposit is 10,000 rubles. Monthly profit for every million rubles will be 8220 rubles. If you choose to pay interest at the end of the three-year period, the total income will be 300,000 rubles.

Among other advantages, we will name benefits in case of early termination of the contract. In this case, the interest rate will change, its exact amount will depend on the actual period of storage of money.

Russian Mortgage Bank, "Convenient" deposit

Although this deposit cannot boast of the highest interest rate, it has one of the most attractive placement conditions. The minimum deposit amount is 30,000 rubles, the deposit period is from 1 month to 3 years. Highest Income the depositor will receive, by investing from 3 million rubles - 9.9% per annum, and the amount of 1 million rubles will bring a profit of 9.85%, which will amount to 8100 rubles per month. For 3 years, you can earn 295,500 rubles (taking into account capitalization up to 342,000 rubles).

The deposit can be replenished with amounts from 3,000 rubles within 2/3 of the term from the date of conclusion of the contract. Partial withdrawals are allowed up to a minimum balance equal to the minimum amount deposit. It is also possible to close the account early while maintaining a certain part of the rate (up to? rate) depending on the actual period of keeping money on the deposit.

Binbank, deposit "Nice"

Opening this deposit is possible only within the framework of the premium package of services "The whole world". Minimum size deposit - 700,000 rubles, maximum - 30,000,000 rubles. By investing 1 million rubles for a period of 3 years, you can get an income of 9.75% per annum, that is, the amount of interest per month for every million will be about 8,100 rubles, and for 3 years, 292,500 rubles.

The deposit is replenishable, but the acceptance of additional contributions is terminated 45 days before the expiration date of the deposit. Debit transactions not provided. Interestingly, with each prolongation, the rate in force on the date of the renewal of the contract increases by 0.15%.

Investtorgbank, deposit "Term + (monthly)"

Wealthy savers take the opportunity to diversify their investments in different products and banks, not only to reduce the risk of loss, but also to be able to manage their capital flexibly. Therefore, they will need deposits with a small minimum contribution, but with a high percentage. In our review, the smallest deposit starts from the amount of 1,000 rubles in Investtorgbank. A contract that is small in amount can be withdrawn ahead of schedule without prejudice to funds in other accounts.

Here, the yield depends on the amount and term. For three-year savings, the rate will be 9.35-9.75%. Maximum term contract 1097 days. The monthly rent will be about 8 thousand rubles for every million at a rate of 9.65%. The total income for 3 years is 289,500 rubles.

Termination of the agreement before the deadline will lead to a halving of the deposit rate, provided that the funds are kept in the bank for more than 1 year.

In all the variety of ways to use free funds bank deposits are one of the most profitable options. Since they allow you to earn income in the form of interest paid, and at the same time do not require any serious effort from the client, more and more people choose them. The most important thing to do is to find a suitable deposit program. For example, deposits with capitalization in Moscow are one of the most advantageous types deposits. It can bring you very good income even without the highest interest rate on a deposit in Moscow.

Deposit calculator with capitalization in Moscow

Despite a long contract with a lot of conditions, almost every one of us is looking for a program option that will allow you to open a deposit at a high interest rate in Moscow, and practically does not pay attention to other conditions. Meanwhile, such an important deposit parameter as the capitalization of interest on a deposit account in Moscow has a huge impact on the level of income that can be received.

A deposit with interest capitalization in Moscow differs from the classic type of deposit in the following parameters:

• in a classic deposit, interest is calculated based on the initial amount that you placed on the deposit;
• a deposit with interest capitalization in Barnaul implies the addition of accrued interest to the "body" of the deposit, and the subsequent calculation of interest based on this increased amount.

Obviously, even without taking into account the rates on deposits with capitalization, in this way you can get much more income than on deposits without capitalization. And if we consider a deposit with replenishment and capitalization in Moscow, when you yourself can further increase the “body” of the deposit, then this is an even more profitable option.

There is only one important nuance on the interest of this type of deposit: without a detailed calculation of the deposit with capitalization in Moscow, do not rush to immediately choose a deposit program only upon the availability of such an opportunity. Without taking into account all the important parameters and values, you can miscalculate and face uncomfortable conditions for yourself.

Make your own calculations and choose the best deposits with capitalization is quite difficult, so use the calculator for deposits with capitalization in Moscow, which you will find on this page:

1. Enter the initial conditions.
2. Click on the search button.
3. The system will select for you full list suitable options with a description of the conditions for each.

After that, you will be able to quickly study all the necessary information and make an informed decision on opening a deposit in Moscow.

Where is it better to open a deposit with capitalization in Moscow?

It will not be difficult to find where the best deposit with interest capitalization is: many banks work with this type of program in 2020 (Sberbank, VTB, Russian Standard, etc.), so there is plenty to choose from.

The main criteria for a successful selection are:

• high interest rate;
• acceptable closing conditions, partial withdrawal and replenishment of the deposit;
• bank reliability.

Settlement and cash services (RKO) is necessary for any business. This is one of the most demanded services for enterprises and organizations of small and medium-sized businesses today. LLC owners and individual entrepreneurs usually look at which state or commercial bank the cheapest RKO, especially when depositing cash at a branch or ATM. But first you need to figure out what is included in this complex.

As a rule, settlement and cash services include:

• opening and maintenance of accounts in rubles, foreign currency and currencies with limited conversion
• non-cash transactions in rubles and foreign currency
• conversion operations - currency exchange
• cash service - depositing and withdrawing cash (corporate plastic cards are also used for this)
• accrual and payment of interest on account balances
• performing the functions of a currency control agent

Now RKO is available without a visit to the bank. You can also open a current account with delivery to the office. Our specialist will come to you and help you choose a tariff and prepare documents. And the online account booking service on the bank's website will allow you to immediately get a ruble current account number without presenting documents and visiting a bank office.

7 profitable cash settlement opportunities in Alfa-Bank

1. Free account opening and Internet banking connection
2. Free service at the tariff "Just 1%"
3. Free card issue to work with cash
4. Free payments to the budget and business clients of Alfa-Bank
5. Free transfers to a personal account with Alfa-Bank up to 100,000 rubles. / month
6. 24/7 payments other clients of Alfa-Bank
7. Online service: convenient Internet banking for entrepreneurs and cool mobile bank will provide you with access to your account from a computer, tablet or smartphone at any time.

If you choose a package of services that suits your business, you will be able to reduce the cost of settlement and cash services, and if you pay for 9 months at once, your company will be served free of charge for 3 more months. After opening an account, you will also be able to receive discounts on goods and services from bank partners and useful services for business as a gift.

Now that you have learned all the advantages of cash settlement services in Alfa-Bank and the nuances of banking settlement and cash services, there is no doubt which bank to choose - a universal bank offering a full range of services for legal entities, and providing technological services for the conduct of CRS

Long-term deposits in banks are essentially strategic savings and are opened in a bank for a year or more. Along with higher interest rates, which guarantee passive income they also carry higher risks.

The concept of a long-term deposit stands for a deposit in a bank, for a period more than a year. It is possible to withdraw the deposit only after the expiration of the term. There are known cases where long-term deposits kept in jars for more than ten years.

What is the difference between deposit and deposit? The difference between a deposit and a deposit lies in the fact that it is deposited. A deposit is money that a client transferred to a bank for the purpose of keeping and making a profit. But a deposit is a kind of storage of valuables, but not necessarily money. The deposit may be securities, shares, precious metals etc.

It happens. A person makes a contribution for a long time for a child. As an example: a contribution in favor of a third party. When the child turns eighteen, he will be able to use the savings. During the life of the deposit, interest is charged to it, additional contributions etc. Such a contribution, as a rule, is replenished.

What are the deposits? Deposits fall into three main categories: demand deposits, term deposits and conditional deposits.

If you live in Ukraine and make a long-term deposit, it is better to open a deposit in hryvnia. This currency is stable, and the dollar or the euro is constantly “falling” or “rising”. Also, on hryvnia deposits, quite decent interest. Some Ukrainian banks offered up to 27% per annum. Last years interest rates are decreasing due to the soft monetary policy of the NBU.

Long-term investments have disadvantages...

It is dangerous to trust money to a bank for a long time. A few years ago, in Ukraine, several banks “left”. The bankers have not yet paid the depositors the money and have not returned the savings. According to expert advice, you should not make deposits in banks that are not members of the Deposit Guarantee Fund individuals. Also, you do not need to invest more than the sum, the return of which is guaranteed by the state.

For a bank depositor, the Fund guarantees the amount of money for his deposit and the amount of money in the amount of the deposit, including the amount of money, arrears on the day the National Bank of Ukraine decides to make a decision to the bank to the category of non-platform, and the amount of money in the amount of deposits is not successful, and .www.fg.gov.ua/depositors/guarantee/

If something happened to you and you urgently need money, you can close the deposit account without waiting for the expiration date. Of course, you will have to pay for material costs. Usually this write-off interest charges or their reduction.

Also, the bank can present penalty for breach of contract. Before you sign the papers for the agreement to open the deposit, read it carefully. The bank may demand a payment for closing a deposit that has not yet expired. As you can see, it is not profitable to close the deposit before the expiration date. Bank employees will never agree to your terms, because they also protect the rights of the bank.

Profitable long-term deposits with replenishment: main tasks and interest rates

The main task of long-term deposits with replenishment is to accumulate and increase. Such deposits are chosen by people in order to raise a significant amount for an expensive purchase. For example: to buy a house, a car, to pay for education, start a business or go on vacation.

What is a bank deposit? A deposit (bank deposit) is an amount of money placed by a depositor in a bank for a definite or indefinite period. The deposited funds are used by the bank as working capital that go to make a profit.

Today interest rates for placement in foreign currency below. Also, financial experts strongly recommend placing funds in different currencies, diversifying monetary assets.

What is investment diversification? Diversification of investments - (from lat di versus different + facere to do; English diversification of investments) distribution of the investor's capital by investing in different types valuable papers. In our version: for different currency deposits.

A person who wants to manage funds wisely will be guided by personal desires and needs. If a long-term deposit is chosen for a period of 1 year or more, then a person’s needs are reduced to the following points:

• - The desire to receive passive income, expressed in the monthly receipt of dividends in the form of an interest rate
• - Accumulation of funds to make large and expensive purchases. People are saving up to buy summer cottages, apartments, cars, Appliances etc.
• - Possibility of protection Money from the harmful effects of inflation

These are the main tasks that are solved when placing funds on long-term deposits not only of Russian banks. With the help of the financial instrument in question, profit is fixed and insured against an unplanned reduction in interest rates.

It is recommended to choose those programs for which the bank offers a fixed or growing interest rate. Variations that link to volatility, especially floating rate offerings, are best left to experienced and knowledgeable investors.

It should be noted that the client, having placed funds in a large volume and for a long time, often receives privileges from a financial institution and preferential terms to other types banking services. Accordingly, the profitability of such an investment will be higher. Use insurance for guarantees. A good example is the issuance of a loan at a minimum interest rate, the possibility of lending secured by a deposit, minimizing commissions and other incentives.

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Detailed information: traditional forms of investment and risk insurance. Advice from market experts in detail from materials Business articles portal site review ★★★★★

What interest on deposits can be expected in case of long-term placement of funds on deposit?

Rates for long-term programs will be higher than for short-term ones. So, the average interest on offers from 1.5 years and above will be higher than on deposits for up to 1 year. Today, the average rate on a long-term profitable deposit for a period of 3 years can reach 14-15% per annum. If we take in comparison similar programs for 3, 6 and 12 months, then here you can count on the maximum percentage of 10-11% per annum. Check the relevance of interest rates, as they change constantly. It depends on many economic factors one state or another. For example: in Russia, deposits can become cheaper, at the same time, in Ukraine, Belarus, they can rise in price, and remain stable in Kazakhstan and Moldova.

What is the interest rate on a deposit? Interest rates on deposits - interest paid by banks to customers for the use of money placed in a deposit account. A bank is an organization whose income consists of the difference between the price of attracting and placing financial resources.

If a person chooses a cumulative long-term deposit with replenishment, then in this case the rate will coincide with deposits opened for up to 1 year. The more opportunities the program gives the client, the lower the return on investment will be.

What is the real interest rate? The real interest rate is the nominal interest rate minus the expected rate of inflation. For example, the nominal interest rate is 10% per annum and the projected inflation rate is 8% per annum. Then the real interest rate will be: 10 - 8 = 2%.

When choosing long-term deposits, you have to pay attention to the type of currency. Today, interest rates on placements in foreign currency are lower than in Russian rubles and in hryvnia.

Also, financiers recommend placing funds in different currencies, since when the exchange rate of one falls, the exchange rate of the other automatically increases. Thus, this method is used to protect against inflation and generate a stable income on the deposit. This method is used by investors, working with long term investment in Russian, Ukrainian and foreign financial markets. An example for our region is as follows: 30% in US dollars, 20% in euros and 50% in national currency.

Long-term investment: serious risk or high return?

How to choose a long-term deposit, and this is not only an increased return, but also an increased risk. The client can terminate the contract ahead of time bank deposit. In that case, many financial institutions recalculate the interest rate at the "on demand" rate. The savings will be returned, but the income will be minimal. Given inflation, you can lose on this.

Not everyone knows how to handle money carefully. If in the coming years a major and expensive purchase then learn how to use it correctly. financial instruments that are available today. One of these solutions is long-term deposits offered by domestic banks.

Advantages of long-term deposits

Remember that investing money for a long time on the terms of a long-term deposit is always a risk. However, long-term investments have inherent advantages that need to be taken into account. What are the benefits?

• - Unlike most programs, higher interest rates are charged on such deposits. At a minimum, such deposits offer 0.5-1% more than traditional ones.
• - According to experts working in the financial market, up to 90% of banks allow you to replenish a long-term deposit opened for a long time. it good factor for people who want to accumulate a significant amount in their account
• - Profit will increase if the client has chosen a deposit, which provides for the transfer of interest with capitalization, as a rule, on a monthly basis.
• - The client, when he opens a deposit on long term, can expect to reduce the cost of other banking services. It is worth remembering that many banks have loyalty programs for customers. Special conditions are expected when placing funds on deposits: discounts on rates certain types banking services, discounts for opening accounts, preferential car loans, minimizing the interest rate on loans, mortgages, microloans, etc.

What is the capitalization of interest on a deposit? In other words, the calculation of interest on interest. Thus, interest capitalization increases effective rate on the deposit and the total amount of income received. Most often found monthly capitalization interest, when accrued interest is added to the principal amount of deposits once a month.

There are always pitfalls

Choosing a long-term deposit is no exception. One example is the lack of capitalization and the ability to replenish savings. However, this is not the worst. The client signing the agreement needs to be sure that the interest rate will be at the same level during the entire validity period. Often, banks go to tricks and tie deposits to a hidden indicator. Thus, during the term of the history of the deposit, the interest rate may decrease.

How to choose a reliable long-term deposit, so as not to “burn out”?

• 1. Select reliable bank with a good reputation
• 2. Independently study the conditions of the programs. Special attention give footnotes and text written in small print. They usually hide here. additional charges and restrictions
• 3. If your own knowledge is not enough, then involve an experienced specialist who will study the documentation himself and help determine the program with the most favorable conditions placement of capital

Finally, it must be remembered that the client can terminate the bank deposit agreement ahead of schedule. In this case, financial institutions recalculate the interest rate at the demand rate. This factor should also be taken into account when choosing a deposit for several years.

Banks have again begun proactive advertising of long-term deposits (for up to ten years). In advertising theses, there is a maximum of tempting information, convenient financial conditions in the state in the post-crisis period in long-term forecasts. Increase in long-term bank deposits, however, is almost invisible. The contributor continues to exercise discretion, limiting itself to a period of up to one year, in special occasions up to two years.

How the client chooses banks

It is difficult to accuse such clients of illogicality: a long-term deposit always has the highest degree of risk. This is due to the general instability in the financial market, both global and domestic, in the future.
Bankruptcy risk financial organization over a period of ten years is significantly higher than over one year. The bank itself also creates a lot of "pitfalls" in its contract. The most unpleasant is that a floating interest rate is set, which is dependent on the price of funds in the market in this moment. Such a clause in contracts devalues ​​the essence of long-term deposits, since the bank can change the rate to unilaterally, respectively, to reduce the income of the investor.

Risks of long-term deposits

There is another risk that is worth mentioning, it is not connected with the bank, but directly with the depositor. Because for such a long time and his financial condition may undergo significant changes. The bank, as a rule, provides for predetermined penalties for premature termination of the deposit agreement. However, along with the risks, there are also pluses that you need to keep in mind when considering investment planning.

• First Benefits o - proportionality of interest rates to the term of the deposit, namely, the longer the deposit, the more annual interest. This is especially evident if you open long-term deposits in the national currency.
• The second plus is the fixing of interest rates for the entire period of the contract. A deposit with a prolongation at the end of the year adjusts interest rates for the subsequent period, which does not happen with a long-term deposit. Therefore, when the inflation rate decreases, for example, it is likely to receive a higher percentage than the current one for banks in the current period.

Incentives for contributors

In addition, the bank encourages its depositors with an additional bonus and a profit multiplication program on its deposit, offers discounts, as well as the opportunity to use its deposits for free. additional services. In the list of such programs, the following can be indicated: - a long-term deposit with unlimited replenishment. Such a contribution can be used not only as a source of income, but also as a means of savings.

1. long-term deposit with interest capitalization. Such a scheme can significantly increase the total income on deposits (especially with monthly capitalization). It should be noted with great regret that less than a third of domestic banks offer such a program.
2. loyalty program. From lowering tariffs for services, as well as loan rates, to participating in the drawing of valuable prizes, including free maintenance of plastic cards. When opening a long-term deposit, a bank client must understand that, despite big bet, the agreement allows the bank to reduce this percentage at any time.

Features of some deposits

Today, there is a rumor everywhere that the crisis has passed, and banking system is gaining momentum, the layman is in no hurry to invest more than for a period of one or two years. However, this does not prevent banks from offering to make a deposit for three or even ten years. Like savings deposit convenient in that it allows you to capitalize and replenish interest.
There are also benefits. Long-term deposits have two advantages.

Firstly, the advantage is that they are credited with the most high percent than for the rest. In other words, a long-term deposit offers at least one percent more than everyone else. Due to the fact that a long-term loan has an increased rate, this allows you to fix highest yield, while the rate on short deposits will go down.
There is also a danger b. In every contract there are catches, which most banks are silent about. For example, long-term deposits may not contain interest capitalization and additional replenishment. But this is not the most serious drawback. When placing long-term deposits, investors must be sure that over the next five years, interest rates on his deposit will not decrease. However, often such deposits do not have a fixed rate, since they are tied to a hidden indicator, and, therefore, rates may decrease over time without notifying the client. Therefore, it is recommended that when concluding such an agreement, carefully study it and think about absolutely all the details of interest accruals.

For a potential investor, there is a large number of offers from various banks, which makes it very difficult to choose.

To simplify, banks place a deposit calculator on their websites that allows you to make an instant calculation. This helps the investor, without spending extra time and headaches, to determine where to invest the available funds in order to get the highest profit.
In general, everything is well described, but it was possible to make a couple of examples, for example, take Sberbank. There is just a calculator, and deposits with capitalization.

Read more in a separate article.

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