Select a deposit. In which bank should I open a deposit at a high interest rate? Which bank should you prefer?

All banks are interested in attracting as much depositors' funds as possible to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by ease 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

Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.

It’s easy to choose the highest percentage, but what to do if you urgently need money? This is where savings programs with the right to partially/fully withdraw money come to the rescue. Having cashed out some of the funds, the client does not close the deposit, and in some cases does not even lose interest.

If you have available funds, income can be increased by increasing the deposit amount, thanks to the right to replenish it. A standard “income” 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 term without the ability to manage and use funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

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

• You need to choose a specific offer.
• Deposit an amount not lower than the specified minimum.
• Present an identification 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 is 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 (months)

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 €.

Replenishable deposits

• Bank Trust "Accumulative"

The annual rate is 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. Deposit - from 300 thousand rubles.

• Gazprombank "Accumulative"

The annual rate is 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 €.

• RaiffeisenBank "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 ability to top up your account

Interest rates are 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" has an additional opportunity to replenish 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 €.

A bank deposit has been and remains the simplest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For Moscow residents, bank deposits are especially relevant: having the opportunity to deposit more money into an account, they can count on higher interest rates and profits. But which bank should you make a deposit in, and where will it be both profitable and safe?

As for security today, everything is simple: the state deposit insurance system protects depositors from losing money due to the ruin or liquidation of a bank, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: all you have to do is choose the program with the best deposit conditions and open an account. Interest rate cuts may resume at the beginning of 2017, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where will be the most profitable place to invest money in 2017?

Sberbank

It would be reasonable to start with Sberbank, as the most popular bank among depositors in Moscow. But it’s not very good to make savings in this bank. It's all about the interest rates, which are the lowest among all other banks that we are considering in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, not counting the seasonal “Good Year” offer with a rate of up to 8%.

However, the “Manage”, “Save” and “Replenish” deposits are quite convenient for bank clients. There are no strict restrictions on the amount or period: the client can independently choose any period (from 1 month) and deposit even a minimum amount (from 1000 rubles) into the account. On some deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher on average by 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its clients ample opportunities to receive additional income. The Bank offers three deposit products – “Comfortable”, “Accumulative” and “Profitable”. The maximum income is possible on the “Profitable” deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). For a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period from 91 to 181 days. When opening an agreement in Internet banking, the interest will be higher.

Alfa Bank

At the moment, it offers its clients not only loan products, but also a whole range of deposit programs. The lowest percentage for income-generating (non-accumulative) deposits is 7.10% (the “Potential +” deposit), the highest for the “Victory +” (8.34%) and “Premium +” (7.60%) deposits for the deposit amount from 10,000 rubles. For the Pobeda deposit, you can expect a maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank 0.05% of the deposit amount to the charitable fund for saving sick children " Life line."

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the “Seasonal” deposit - up to 10% per annum can be obtained by depositing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days; replenishment and partial withdrawal are not provided. Also, under the “Maximum Income” program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year for an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening “Maximum Income”, “Maximum Growth” and “Maximum Comfort” deposits in the Internet Bank, an increased rate applies - +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its investors several savings programs. One of them is the “Profitable Year” deposit, which is opened in both rubles and foreign currency. The “Profitable Year” deposit is issued for a year, the minimum down payment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum Income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the “Maximum Income” deposit is opened only in the Internet Bank. At 8.0% per annum, the “Capital” deposit is opened for a period of 36 months, but without capitalization of interest. For all deposits except " Cabinet", the minimum amount of the first payment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of deposit, issued remotely, with interest rates of up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with capitalization - 1.25%). You can count on this percentage for a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, for a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partially withdraw up to the minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under the “Maximum Income” deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement when registering on the bank’s website or in the office is from 30,000 rubles, and when opening in the Internet bank – from 10,000 rubles at the same rate. On the “Replenishable” term deposit, the holder of funds can receive up to 9.5% per annum. The shelf life is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate we indicated by placing them for a period of 360 days.

Where is the best place to store money?

As you can see, deposits in Moscow banks are offered under different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles await you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make incoming and outgoing transactions on the account, because for the most part, high-yield deposits prohibit both replenishment and partial withdrawal of funds; interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce your search time, you can use our website. Here are suggestions for investments with high interest rates on deposits in. But this is not the only parameter for successful financial investments.

To use capital profitably today, it is not enough to find a deposit with high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will allow you to use your down payment more efficiently. An important point: is it possible to withdraw money from the account early? And if so, will the accumulated interest be saved? Or will they burn?

How convenient is it to search for deposits in Moscow on the website?

Here you can find deposits not only in rubles, but also in other popular currencies for investment - euros and dollars.

On our portal you can compare the conditions of different credit institutions in the city - interest on deposits in Moscow banks, terms, the possibility of replenishing and capitalizing interest. In addition, you can find out about deposits in other large cities of Russia. To find a suitable option you need:

• set up search filters;
• choose the appropriate one from the proposed options;
• send an application or call the bank to clarify information.

When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP 50 credit institutions in the country were used in order to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust – 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers a special program for people of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.

Are you interested in interest rates on deposits in Moscow banks in the form of a comparative table? Today we will tell you about some great deals that are definitely worth paying attention to in 2019

How to choose the most profitable investment?

It is impossible to answer this question unequivocally, because for different people the concept of profitability will be completely different. Just as we react differently to different events in our lives, the same banking offer can be assessed from absolutely diametrical points of view.

In order to be able to compare deposits, you must first decide what is most important to you. It could be:

• name and reliability of the bank (you can see the most reliable ones),
• the proposed amount of income, i.e. interest rate. It is logical to assume that the higher the percentage, the greater your income will be. However, it is worth considering that the rate is always indicated subject to the money being in the account for 1 year, and if your contract is valid for less than, for example, 9 months, then you will receive a reduced income,
• possibility of withdrawing funds from the account. This is very important if you want to actively manage your account. Otherwise, if you do not have such an option, you will simply lose the accrued interest when withdrawing even 100 rubles.
• the minimum amount is the amount that is needed to open an account, you can deposit more, but not less,
• the procedure for calculating interest - annual, monthly, at the end of the term, etc.,
• special conditions for early withdrawal, etc.

We have prepared for you several mini-reviews with the most attractive options in terms of their conditions. You will be able to choose one or more products that best meet your expectations.

Let's start with the offers with the highest bids:

1. — offers its clients a comprehensive product “Income Strategy with ILI”, which involves the simultaneous opening of a classic deposit + life insurance investment account. Thanks to this, there will be an increased yield of up to 9% per year, they accept from 100 thousand for 300 days. Among the options, we note monthly payments and the possibility of partial withdrawal of funds without losing %;
2. – he sells the product “Record percentage with Halva” up to 8.8%, for registration of which you will need an amount of 50 thousand rubles for 12 months. Profit is paid at the end of the term, to access this offer you must first obtain it at a branch of the Halva Bank;
3. - the most profitable is the “VIP deposit”, which really allows you to accumulate a substantial amount for future goals and expenses. To open it you need at least 1.5 million rubles, the placement period is 31-1095 days. You will be able to receive income at a rate of 6.65% to 8.45%, with the possibility of partial withdrawal and payment at the end of the contract;
4. Home Credit Bank - here they accept small amounts from 1 thousand for 730 days for the seasonal deposit “Two Income Years Plus”, the maximum income will be 8.3%. Interest will be paid at the end of the term, you can deposit additional amounts, we invite you to find out more
5. At Tavrichesky Bank we recommend paying attention to the “Maximum Income+” deposit, where they offer to receive up to 8.3%. To do this, you need to invest at least 50 thousand for 91-548 days, payments will be made at the end of the term. Important: you must have a “Bought and Accumulated” card with an account balance of at least 10,000 rubles.

TOP 20 banks with the highest rates:

If you want to open a deposit with the most reliable, namely, state-owned companies, then the following options are suitable for you:

• Gazprombank - offers to open a deposit “At the top (with NSZh)” with a minimum amount of 50 thousand rubles and a yield of up to 9.2%. The investment period is from 181 or 367 days, interest is paid at the end of the period. A prerequisite is to take out a life insurance policy. You can find out more in this article;
• VTB Bank - here you can open a “Time of Growth” deposit at a bank branch and remotely through Telebank. The basic rate is up to 7.7%, if you have a Multicard with the “Savings” option – up to 9.2%. It is necessary to deposit at least 30 thousand for 180 or 380 days, payments are made monthly or at the end of the term with capitalization, we invite you to find out more at this link;
• Rosselkhozbank – here you can apply for the “Investment” program with a maximum yield of up to 8.55% per annum. To do this, you will need to invest an amount of 50,000 rubles for 180 or 395 days, you will find the details;
• Sberbank of Russia offers the “Catch a Profit” product in the amount of 50,000 rubles. and valid from 5 to 18 months. Profitability - from 7.1% to 7.65% with payment at the end of the contract. All bank programs are described in this review.

If you are interested in deposits in foreign currency, we offer the following products:

1. Rosselkhozbank issues a deposit “Your income (at the end of the term)” when depositing from $20,000 for 91-1095 days. The maximum rate is up to 4.55% per annum, and you can choose preferential early termination of the contract;
2. Vostochny Bank - here it is profitable to invest an amount from 26,000 US dollars for a period of 31-1097 days for a “VIP deposit”. You will receive an income of up to 4.10% per year with payment at the end of the term, partial withdrawal is allowed;
3. Uralsib Bank offers the “Right Solution” product with a yield of up to 4%. In this case, you need to deposit at least 2.5 thousand dollars for 181 or 367 days, interest payments at the end of the term, you can terminate the contract early on preferential terms;
4. BBR Bank accepts amounts from €50,000 for the “Accumulative-VIP” program, period – 91-730 days, yield from 1% to 2% per annum with the possibility of replenishment and preferential early termination of the contract. Payments are monthly with capitalization;
5. — here they offer to open a “Accumulative” deposit with the possibility of partial withdrawal of funds. You need to invest at least 300 euros for 390 days, the interest is up to 1%, you can deposit additional amounts. They pay income monthly, there is capitalization.

If you belong to the category of pensioners, then many organizations will have special offers for you that can only be obtained upon presentation of a pension certificate. Where to contact:

• Bank Solidarnost - offers yields of up to 8.10% per annum,
• Moscow Credit Bank and - up to 8%,
• Interprombank - up to 7.8%,
• Bank Ivanovo - up to 7.75%,
• Rusnarbank - up to 7.65%,
• Interprogressbank, Gazprombank - up to 7.5%,
• NS Bank - up to 7.45%,
• MTS Bank, National Standard Bank - up to 7.3%,
• Bank Acceptance, Soyuz, Kranbank - up to 7.25%,
• Kuban Credit - up to 7.15%.

In order to find out in advance the amount of your income, use the online calculator completely free of charge.