In which bank to open a deposit at a high interest rate? Which bank has the most favorable conditions for deposits and the highest percentage of the deposit Maximum interest on deposits.

A deposit or the so-called "deposit" is the money that the client places in the bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow, the best interest rates on ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals Moscow differ in terms, currency and rate, there are also additional terms(the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card and others).

Both small and larger reliable banks in Moscow in 2020 offer several additional features on term deposits and deposits with maximum and low interest rates for individuals:

• partial withdrawal and replenishment funds on a deposit account gives the client the opportunity to use the money without breaking the contract with the bank;
• capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is charged not only on the amount of the initial deposit, but also on the added interest;
• automatic prolongation- automatic extension of the contract if the depositor does not withdraw the deposit at the end of the term.

To arrange the most best contribution in rubles or foreign currency favorable rate in a bank in Moscow, consider these three points.

Depending on the currency used, urgent deposits divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable deposits in Moscow banks in terms of interest rate are currently offered in Russian rubles.

Investment in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although the stakes currency deposits decreased significantly due to the instability of the exchange rate, you can get income with growth exchange rate to the ruble So you can get best income from a deposit in 2020.

Most Russian banks offer currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the Exchange rates section. However, offers of deposits under good interest there is not much in these currencies, since the demand for them is low.

What kind of contribution to choose for a pensioner, student or middle-aged person? Pick an offer with the best rate and the conditions will help you form "Choice of deposit". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

In 2020, among deposits in banks in Moscow, the most profitable high interest rate in rubles at the deposit Deposit At the top (with HOA) Gazprombank in Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit Moscow with the maximum rate in rubles.

Deposits in Russian banks in 2020: compare the conditions and interest rates of the most favorable individual deposits today to choose the most suitable option for you.

Deposits for individuals in 2020

What are the most profitable deposits in Russian banks today? Oddly enough, but experts will not give a definite answer to this question. The fact is that each client understands the benefit in his own way, depending on his own needs.

For example, someone intends to make a deposit for individuals in order to save money by saving it from their salary. For him, the most profitable will be the so-called replenished deposits or savings accounts. Their conditions provide for replenishment of the account during the term of the contract.

But for those who intend from time to time to withdraw part of the money from the bank account for urgent needs, the most profitable will be expense deposits individuals. They provide for the possibility of partial withdrawal of funds without loss of interest. They don't have the most high stakes, but this can be considered a price for the freedom to manage money.

The maximum interest in most cases have deposits of individuals without the possibility of replenishment and withdrawal. They open on certain period, for example, 6 months, 1-3 years, and during this time the client cannot use his money. But at the end of the term, he gets them back with high interest. A special case of such deposits are deposits with monthly payment interest or preferential early termination.

We tried to collect deposits with maximum interest rates in Russian banks in this review.

The best interest on deposits in banks today

Trust finance should 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 is not only a high percentage, but also accompanying conditions that are comfortable for the investor.

Passively accumulated funds can later be increased by starting a business at home without investment.

In order to combine the bank's reliability and profitability, we have compiled current list the most profitable investments in largest banks Russia.

The most profitable deposit in Rosselkhozbank today

This is a contribution for individuals "Profitable", which has the highest rates among bank deposits.

It is issued in rubles, dollars or euros, online or at the office.

Basic interest rates

Conditions

• Dates: 31, 91, 180, 270, 395, 455, 540, 730, 910, 1095 and 1460 days;
• Amount: from 3,000 Russian rubles / 50 US dollars or euros;
• Replenishment: not provided.
• Debit transactions with the preservation of the interest rate: not provided.
• Interest payment: at the end of the term / monthly or capitalization.

The most profitable deposit at Otkritie Bank today

This is a deposit "Reliable Promo". The deposit can only be made in rubles. The minimum amount is 750 thousand rubles. There is no partial withdrawal or replenishment. Early dissolution deposit agreement carried out at the rate "on demand".

Interest is calculated and paid monthly. And the rate does not depend on the term and amount.

Interest rates

6.12% per annum in rubles.

The conditions for raising money are as follows:

Conditions

• Term: 367 days;
• Amount: from 750,000 rubles;
• Replenishment: not provided;
• Interest payment: monthly.

See also interest on other deposits in Otkritie Bank -

The most profitable deposit in Sovcombank today

This is a deposit "Winter Holiday". The minimum amount for him is from 50,000 rubles and there are only three types of terms for placing money: 2, 6 and 12 months.

Replenishment of the account is possible, but partial withdrawal without loss of interest is not provided.

Interest rates

Interest is paid upon the expiration of the term of the deposit to the "Halva" card.

The most profitable deposit at VTB Bank today

This is a seasonal deposit "Growing Time" which has a high interest rate.

However, the possibilities of managing money on a deposit are very limited: it will not work to replenish an account or withdraw money without losing profitability. But what a percentage - up to 6.00% per annum when applying online!

Income can be even higher if you issue a VTB Multicard and spend more than 5,000 rubles a month from it.

Interest rates

without capitalization / with capitalization

Supplements for VTB Multicard holders with the "Savings" option enabled:

0.5% for spending from Multicards in the amount of 5,000 to 15,000 rubles;
+ 1.0% for spending from Multicards in the amount of 15,000 to 75,000 rubles;
+ 1.5% for spending from Multicards in the amount of 75,000 rubles.

The maximum possible rate today is 7.50% per annum in rubles.

The conditions for raising money are as follows

Conditions

• Refill: no
• Partial withdrawal: no
• Capitalization: yes
• Extension: no
• Preferential termination: no.

See also interest on other deposits in VTB Bank -

The most profitable deposit in Gazprombank today

This is a deposit for individuals "Your Success" offered as part of a promotion. It is designed for those who need to invest in long term- up to 3 years. His stake is very attractive.

Interest rate

The conditions for raising money are as follows.

Conditions

• Term: 367, 548, 1095 days;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided;
• Extension: not provided;
• Interest accrual: monthly.

The most profitable deposit in Post-Bank today

This is a seasonal deposit for individuals "New Year" which allows you to get the maximum return on investment.

It will be especially beneficial for those who are ready to deposit a large amount (from 100,000 rubles) in Post Bank and not withdraw money for 9 months.

Interest rate

6.2% per annum in rubles

The conditions for raising money are as follows.

Conditions

• Term: 9 months;
• Amount: from 100,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term;
• Early termination: at a rate of 0.1%.

See also interest on other deposits in Post-Bank -

The most profitable deposits in Sberbank today

In December 2019 and January 2020, the Security Council of the Russian Federation introduced two promotional deposits: Profitable start"and" New Year's bonus.

Profitable start deposit

This is a promotional deposit for individuals, which You can only apply until January 31, 2020. It does not have the possibility of replenishment and partial withdrawal without loss of profitability. Opens only online and ATM. He is intended only for those who did not open a deposit with Sberbank from October 20, 2018 to November 20, 2019.

Interest rates

Conditions

• Term: 6, 12, 18 months.
• Amount: from 50,000 rubles.
• Refill: No
• Partial withdrawal: No
• Interest: At the end of the term
• Early termination: At a rate of 0.01%

New Year's bonus deposit

This is a holiday promotional deposit with an increased interest rate. You can issue it both at the bank branch and remotely: via the Internet and at ATMs. But only until January 15, 2020.

Conditions

• Term: 4 - 9 months.
• Amount: from 50,000 rubles.
• Refill: no
• Partial withdrawal: no
• Interest: at the end of the term
• Early termination: at a rate of 0.01%

Interest rates

A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to put more money into the account, they can count on a higher interest rate and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

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

What deposits in Moscow banks will bring highest interest? Where is the best place to invest in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not very much - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online rate higher by an average of 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its customers ample opportunities to receive additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". Maximum income possible on the deposit "Favorable". 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%). With a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.

Alfa Bank

On this moment offers its customers not only loan products, but also a number of deposit programs. The smallest percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the largest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with the amount of the deposit from 10,000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under 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 bank 0.05% of the deposit amount to the charity 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 received by placing 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 program "Maximum income" you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, an increased rate is applied - + 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 depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, the minimum amount of the first installment 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 more high interest- 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" 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 interest capitalization. For all deposits, except for the "Cabinet", the minimum amount of the first installment and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having 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 remote deposit with interest rates 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 a capitalization of 1.25%). You can count on such a percentage with a balance of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partial withdrawals up to a 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 them 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. By term deposit The "replenished" holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is the best place to keep money?

As you can see, deposits in Moscow banks are offered on different terms. 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 the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. Best interest for deposits in rubles are waiting for 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 paying attention to the possibility of making credit and expenditure operations on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, 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 is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

It is common for every reasonable person to think about his future and try to secure it financially.

And what is the easiest way to do this?

With a deposit.

This type of deposit allows you to receive income on the so-called compound interest, that is, you receive capital gains not only on the body of the deposit, but also on%, which are calculated monthly / quarterly.

You should agree to such an offer only if the bank offers you really good interest on the deposit and you want to invest money for a long time (ideally, at least three years).

with changing interest rates.

It's relative the new kind deposits, which financial structures began to offer their customers recently.

Typically, the interest rate is tied to changes in some financial quantities, such as the exchange rate.

This investment method is suitable only for people who are well versed in matters of economics and finance, because the bank will do everything to conclude an agreement for its own benefit.

With advance payment of interest.

You have funds, but you are collecting them for a large and important purchase, so the existing cash reserve is inviolable.

If you are not going to buy what you need now, but, for example, in six months, then make a deposit with an advance payment of %.

Of course, the stakes in this case will not be as high as with other options, but such a strategy helps out when money is urgently needed.

With the possibility of replenishment and / or withdrawal.

These deposits are a mixture of a deposit and a settlement (current) account.

It is worth agreeing to people who have high income and trust a particular financial institution so much that they are ready to invest all their money in it.

Purpose of deposits with high interest

Decide on the types of deposits, but you should also understand why exactly you want to open a savings account, what financial goals you set for yourself.

This will also affect your choice.

Purpose of deposits with high interest:

Temporary storage for money.

That is, a banking organization is a kind of safe that undertakes to keep your money for a certain period (usually, this is a short period: 3 - 6 months).

accumulative tool.

You have decided that in a year you will raise money to buy a car.

To this end, you put aside half wages monthly.

Set up a savings account with the possibility of replenishment.

So your money will be safe, and the amount will increase due to the increase in%.

Investment tool.

You care about your future, so you decided to invest the amount you have in a deposit.

In this case it is better to choose long-term deposit with capitalization %.

It will give you the opportunity to earn more than usual.

For this purpose Bank employee will give you plastic card, with which you can pay, and cash out through the terminal or cashier.

The highest interest on deposits and the reliability of the bank

Suppose you have already decided on the financial goals that you set for yourself and have chosen the type of deposit.

Now it is important to find a bank that you can trust with your funds and that will offer the highest interest on deposits.

What to look for when choosing a bank for a deposit?

Choosing a bank to create a savings account is an important and responsible step.

To make the right decision, you need to evaluate financial institution not just one, but several at once.

The criterion for choosing a bank for making a deposit:

In principle, this information is secondary, you should be more interested in the reliability of the bank and% on the deposit, but, you see, it is always a pleasure to be a client of an institution with impeccable service.

How are the highest interest rates calculated?

You must understand this and not have big illusions about bankers.

Take off your rose-colored glasses before making a deposit - this will help you find the most attractive option.

It is no coincidence that each of the operating banks offers such an abundance of deposits. Their goal is to confuse you and conclude an agreement for their own benefit.

The national banks of the Russian Federation and Ukraine seem to be supposed to protect the rights of depositors of commercial financial institutions, but they are not doing it very successfully.

And yet you should know that according to the requirements:

• of the Central Bank of the Russian Federation, interest on the deposit is accrued daily;
• of the National Bank of Ukraine, the interest rate on a deposit in a commercial financial institution cannot be lower than that established by the National Bank.

But in all other respects, private corporations have freedom of action, so they can offer good profits on savings account, and much less profitable options, with capitalization of the interest rate of the deposit and without it, with the ability to terminate the contract ahead of schedule and with the absence of such an opportunity.

Already the client will have to figure out how the interest on the deposit is calculated and how high this rate will be.

If you can't handle this on your own, you can seek help from an advisor or find the information you need on one of the many financial portals.

The choice of the best portals is offered by this site http://www.bravica.com/ru/prime/finance.htm.

Which bank has the highest interest on deposits: a review of Russian and Ukrainian financial institutions

Most depositors make a deposit either in domestic banks, or in foreign ones, but those that work in their country and have a license from the Central Bank of the Russian Federation or the National Bank of Ukraine.

And rightly so, if you do not have much money to invest, you are poorly versed in global finance and economics, you do not have the opportunity to apply for professional help and rarely go abroad.

And in your own country you can find reliable bank with attractive savings account offers.

Which Ukrainian bank has the highest interest rate on deposits?

2016 was not best year for banking system Ukraine: many financial institutions closed, depositors, fearing to lose their money, liquidated deposits.

Those banks that survived began to attract depositors with rather high interest rates (especially for hryvnia investments) and various bonuses.

The most attractive options (up to 24% per annum) in 2016 were offered by Platinum Bank.

But the minimum interest rate (slightly more than 10%) was received by the depositors of Raiffeisen Bank Aval when they opened the Classic savings account.

As for dollar savings accounts, in this case the interest rates are not too high.

The most generous is still Platinum Bank.

Its leaders offer to issue an account for a period of 1 year at 10.5%.

But the minimum rate on dollar investments among Ukrainian banks was at the level of 0.15%.

Banks of Ukraine that offer the highest percentage for deposits in dollars (from 10.5 - 7%) are:

Which Russian bank has the highest deposit interest?

Russian banks are less generous than their Ukrainian counterparts.

When opening a ruble deposit, clients can count on a maximum of 10%, but the interest on dollar deposits is completely miserable (a little more than 1%).

top five advantageous offers for ruble investments in Russian financial institutions will look like this:

Dollar deposits with the highest interest rates are offered by the following Russian banks:

If you are interested in investing in the most reliable Russian financial institution"Sberbank", then you can get the greatest benefit from the ruble deposit "Good Year", which is issued for a period of 3 months.

The most profitable deposit in dollars is "Save Online", since the interest rate here is 1.25%.

More information can be found on the official page of Sberbank: http://data.sberbank.ru/moscow/ru/person/contributions/?base=beta.

How to choose a reliable bank with high interest rates on deposits is described in the video:

If you want to find highest interest rates on deposits, then you have to comparative analysis banking offers of your country and choose the best option for yourself.

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When a person has free cash, a fair question arises: where to invest it in order to receive income? The easiest and safest way to receive income from the point of view of state protection of risks is deposits. We offer you to get acquainted with the ratings of banks, which 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 were used credit institutions countries to exclude proposals from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits are fixed-term deposits that do not have additional features– replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. top ten with the best deals looks like that:

Deposits with additional features

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

Replenished deposits

TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:

1. RosEvro Bank - 8.5%. banking product bears the corresponding name "Replenish". It is possible to open an account for a period of 91 to 1095 days in the amount of 50 thousand rubles. monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
2. Tinkoff - 8.5%. The bank has two rates - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the contract. The minimum deposit amount is 50 thousand rubles. Size additional contributions not limited.
3. TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The deposit product "Super-long-term" is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest is paid every 400 days.
4. Oriental Express Bank - 8.3%. Thanks to the Savings Book deposit, a bank client can receive a high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program assumes 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 the multiplication of funds in the specified amount when they are placed 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%. A 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 from automatic prolongation on same conditions. 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 accruals are capitalized or transferred to the client's account. Replenishment of the account is possible in the first 183 days.
10. Moscow Credit Bank – 7,75%. Registration with the offered rate is possible only through the online application. The initial amount of the deposit must be at least 1 thousand rubles. The tariff provides monthly capitalization percent. Replenishment possible up to maximum limit- 10 million rubles.

Deposits with partial withdrawals

The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:

1. Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the 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 opening the account. Term from 3 months and 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 is paid every 184 days.
3. National Bank Trust - 8.25%. According to the All Inclusive tariff, you can not only replenish your account, but also partially withdraw money, subject to maintaining the 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 minimum size contribution - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
5. Globex - 8.15%. The product "Universal Online" is available only through an application on the Internet. 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 saving minimum amount, individually indicated in the deposit agreement.
6. Oriental Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. Sum down payment- from 100 thousand rubles. Terms of registration - 181 and 731 days. After a partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank - 8%. Absolut Bank offers a special program for individuals retirement age. The account is opened for at least 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. Ugra - 7.89%. The banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. Replenishment possible deposit account, as well as withdrawing part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers Managed Interest, where the minimum initial payment is 100 thousand rubles, and the duration of the funds placement is 720 days. Replenishment is possible during the first year, and withdrawals - 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, while maintaining the established initial limit. An 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 replenish in the amount of no more than 20 thousand rubles. At partial withdrawal Money the initial amount must remain in the account.

Opening a deposit

When the most difficult process is behind - the contributor determined where more profitable contribution at interest, you can proceed directly to its opening. Most banks, along with registration at the branch, practice submitting online applications.

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

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