Which bank is more profitable for interest on deposits. Which bank has the most favorable conditions for deposits and a high percentage of the deposit
A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe for profitable investment of money is different for everyone and depends on the depositor's attitude to the bank's reliability, auto-rollover, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the depositor.
This page contains banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the "Checkout" button - you will be redirected to the bank's website.
Creditznatok is a service that allows you to select deposits with the maximum interest rate or the most favorable terms, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest on deposits in Moscow and you will be able to profitably manage your money right now.
Analysis of profitable offers
Proposals that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated against the new increased amount. Among the best lucrative offers are:
- do not allow replenishment and partial withdrawal of funds;
- not allowing the withdrawal of income before the end of the contract;
- promotional offers of banks dedicated to memorable dates.
Term deposits with the highest interest rates can be found among foreign exchange products: the interest rate here is lower than that of the ruble, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.
Profitable deposits at a high interest rate are easier to find in less popular small banks. With an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability instead of quick money... Additional advantages - convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.
We have collected on this page the banks that offer the highest income and allow you to make a profitable investment. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail a tax payment of 35% on the difference between the interest.
To find out more, click on the "Checkout" button: get all the necessary information and fill out an application on the bank's website. Look for great deals with Creditznatok!
Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to make a profitable deposit for individuals. But which of the most reliable banks in Russia has the highest interest on deposits today? The agency's specialists analyzed the offers of the largest banks in the country, having compiled an overview of deposits in rubles with profitable interest rates.
Individual deposits - a traditional way of investing money
There are many ways to invest in order to receive passive income... You can buy a currency and wait for it to rise in price, you can make money in Forex, invest in a PAMM account, try to get income by trading binary options and much more.
All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Individuals' bank deposits today remain the most reliable and the traditional way savings investments in Russia.
Choosing the most profitable investment: what to look for
When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:
- - the size of the interest rate, which allows you to choose the deposit with the maximum income;
- - the reliability of the bank, which allows you not to worry about the safety of savings even during a banking crisis.
It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts at the agency's website tried to do this by examining the terms of deposits in Russian rubles for individuals in reliable banks.
What are the most profitable deposits in reliable banks in Russia today?
Each bank has its own line of profitable deposits for individuals with unique conditions.
In order to somehow bring "to a common denominator" the parameters of contributions to different banks, we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.
For the purity of the experiment, we compared the rates in largest banks Russia on deposits for a period of 12 months, since it is this investment period that is the most popular. They took 1 million rubles as the estimated amount. And they also tried to dismiss the so-called investment or complex offers with the obligatory investment of money - insurance, mutual funds or shares. As a result, we got the following list (check with banks for exact conditions and interest rates on deposits).
Most profitable deposits in reliable banks in Russia from the top 10
Credit Bank of Moscow
MEGA Online contribution
Deposit / Without partial withdrawal / Without capitalization / Interest at the end of the term
Bank FC Otkritie
Deposit "Reliable"
No replenishment / No partial withdrawal / Capitalization / Interest accrual at the end of the term.
Promsvyazbank
Deposit "My income"
No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.
Deposit "Savings account"
No replenishment / No partial withdrawal / Capitalization / Interest accrual monthly.
Post Bank
Investment "Capital"
No replenishment / No partial withdrawal / Capitalization / Interest monthly
Sberbank of Russia
"Save" deposit
Interest rate |
||
Without replenishment / Without partial withdrawal / With capitalization / Interest accrual on a monthly basis in Moscow banks >>
The main types of deposits of individuals
Today banks in Moscow offer a large number of different types of profitable deposits for individuals. But all of them can be roughly divided into several groups:
✓ term deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish the account.
✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time the interest grows. However, it is impossible to withdraw funds from the account and not lose profitability.
✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a previously agreed upon minimum balance, on the amount of which interest will be charged.
Of course, in any unforeseen situation, if you need money before the expiration date of the deposit, you can always get it, but the lost profit will be a pity. So, when you are going to make a deposit in the bank, it is better to decide in advance when you will withdraw money, so as not to lose income.
Every year depositors face an unpleasant and unexpected situation - banks different ways delay the issuance of funds to clients from deposits. We will find out why this is happening and what to do to get your money back.
For legal entities
Concessional loans for small businesses
Soft loans for small businesses increase the availability of the lending market for small companies and individual entrepreneurs. In this article, we will consider the state program, as well as several lucrative offers from banks.
Good advice
Investing in precious metals: stock instruments
Investments in precious metals are one of oldest ways preserve and increase capital. However, in recent times there is a gradual transition from real gold to intangible assets... Read the article for details.
For legal entities
Current account with Post Bank
Post Bank is a universal credit organization included in the TOP-30 of the country's banking sector. In the article, we will tell you about the features of current accounts for business in Post Bank, the cost of their maintenance and the procedure for opening.
Topical
Working in a bank as a career start
Working in a bank at initial positions - a good option for employment. As a rule, there are no strict requirements for applicants, so anyone who wishes has a chance to try himself. Let's figure out what positions you can apply for if you have little or no work experience.
New Product
BBR Bank launched deposit "2020"
5.75% per annum - this is the maximum rate of return for the new deposit program of the BBR Bank, called "2020". The most attractive rate is provided in case of placing funds for 700 days (the deposit can also be made for 200 or 500 days).
17 Feb 2020Analytics
Otkritie: investment products are becoming an alternative to deposits
According to Otkritie Bank, lately Russians are increasingly withdrawing free funds from deposit accounts and investing in investment products. The population has about 30 trillion rubles in its hands. The financial structure plans to conduct an IPO next fall. Perhaps, securities the bank will sell to private investors.
12 Feb 2020Changing rates
Sovcombank has revised rates on mortgages, on deposits and on the Halva card
A mortgage in Sovcombank can now be obtained at a rate of 8.69% per annum. The amount of the housing loan is no more than RUB 30 million (may be increased by individually). Loans are provided for up to 30 years. It is possible to arrange a loan for two documents. Loan Application considered within 1 business day.
19 Nov 2019New Product
Energobank presented the contribution "Competent Investor"
Energobank has a new deposit service with increased profitability. The rate on the "Literate Investor" deposit reaches 8% per annum. The deposit can be made for six months or for a year. The profitability of the program does not depend on the term of placement of funds. A prerequisite for making a deposit is the conclusion of a savings agreement
Oct 29, 2019New Product
Vozrozhdenie launched 4 new retail deposits
The line of retail deposits of Bank Vozrozhdenie was replenished with four deposit products at once. The “Replenishing” deposit is opened in rubles and US dollars. The maximum deposit rate is 5.5% per annum in rubles and 0.7% per annum in dollars. The amount of placement is from 30 thousand rubles / 500 dollars. The deposit account can be replenished. "Active" deposit.
01 Oct 2019Changing rates
NS Bank changed deposit rates
NS Bank revised the profitability of branded deposit products. The rate on the "Investment" deposit is currently 8% per annum. The deposit service is available for clients who have completed investment insurance products... Interest is paid at the end of the term of the deposit agreement. "Savings" deposit. Bid -
02 Aug 2019Analytics
The depositors received almost 33 billion rubles from the DIA. in 6 months
From January to June, the Deposit Insurance Agency paid insurance compensation 55.8 thousand people. Such data are published on the website of the state corporation. In the first six months, the DIA paid former depositors bankrupt banks 32.8 billion rubles. This money was received by half of the people who are eligible to claim insurance benefits.
23 july 2019Changing rates
Gazprombank raises interest rates on deposits
Gazprombank makes branded deposits more attractive. On the "Your Success" deposit, the marginal rate of return has increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount for placement is 300 thousand rubles. The deposit is non-refillable. Issuance
Feb 27, 2019
Reliable banks with high interest on deposits. Glad to see you again! A new book by King came out the other day, so I, as an avid reader, went to the store for a novelty.
Already when I approached the checkout, it turned out that the device did not want to punch through the coloring of one married couple.
While I was waiting for my turn to come, I witnessed the conversation of this couple.
The man intended to invest in a bank, but could not choose which one.
My wife could not advise anything decent, so I could not resist and got into the conversation.
Deposits at high interest rates - in which banks interest rates are higher?
Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete.
It is also important to take into account such a factor as risk. As is known, state system deposit insurance guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.
A warning!
Most reliable bank Is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business.
It is no wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.
Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.
Private banks from the Top 50 are the choice of people who, to a greater extent trusting private capital, prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the most small percentage, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).
Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors by the beginning of a new one, in December 2016.
Sberbank
Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank now offers the following deposits:
- 8 time deposits in rubles, dollars or euros (from 2.3% for " Savings account"Up to 6.49% on the deposit" Save "in rubles);
- for wealthy clients who prefer other currencies - “International” deposit (in British pounds, Swiss francs and Japanese yens - at 0.01% per annum);
- 3 deposits for the owners of the Sberbank First and Sberbank Premier service packages - Save special, Top up special and Manage special with increased rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
- 3 online deposits in rubles, dollars or euros (rates are higher than for time deposits, by an average of 0.1%);
- 3 pension deposits.
Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.
A choice of replenishing and non-replenishing deposits is possible, with a different interest payment scheme (at the end of the term, monthly, etc.), and minimum amount(from 10 to 1000 rubles) "on the shoulder" to any person.
VTB 24
This bank offers 10 deposits on various terms (we can say that they are about the same with VTB 24 as with Sberbank):
- 3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
- 3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
- 3 contributions for special conditions for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
- 1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.
Gazprombank
This bank has only 7 deposits: 1 investment, including with investments in mutual funds (up to 9.70%), 5 savings deposits for various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).
There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.
Rosselkhozbank
Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).
Attention!
The rest of the deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.
Interest rates here are noticeably higher compared to the banks described above, but the conditions for placement are also somewhat stricter (interest at the end of the term, replenishment is impossible, etc.).
VTB Bank of Moscow
The new "Seasonal" deposit, which can be opened before January 31, 2017 for 400 days, implies 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.
The bank also offers 3 basic term deposits: “Maximum income”, “Maximum growth”, “Maximum comfort” with rates up to 8.46% for ruble accounts, up to 1.61% for dollar accounts and 0.01% for euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings account in rubles (up to 5%) and special offers for privileged clients.
We can say that deposits in this bank are beneficial primarily to a client with a large amount or who wants flexibility in replenishment / withdrawal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to the ruble rates and 0.1% to foreign exchange rates.
Russian standard
This bank offers 4 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.
Advice!
Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.
Home Credit
Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened at Russian rubles(up to 9.34% per annum).
Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.
TRUST
This bank has a line of 10 deposits in rubles / dollars / euros, including a multicurrency one. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and replenishment / withdrawal.
MTS-Bank
The best bank deposits in 2017: conditions and interest rates The former MBRD offers 9 deposits in rubles / dollars / euros, including multicurrency and pension. Rates in rubles from this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.
Additional 0.30% to base rate clients opening a deposit in the Internet Bank, as well as salary clients, can receive up to 0.40% of the rate - with a deposit amount of 4 million rubles or more.
Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending(Russian Standard, Tinkoff, Home Credit).
But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your contribution not only profitable, but also convenient in terms of using money.
source: http: //site/www.vkladvbanke.ru
The issue of preserving and increasing money is always relevant. One of the smartest and safest options is opening a bank deposit.
A warning!
Which bank and deposit to choose for the most profitable investment in 2017? What criteria, besides the interest rate, are important?
We offer current overview the best conditions for deposits in Russian banks.
What is the best deposit to open?
To begin with, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:
- Rising inflation and devaluation of the ruble.
- Decrease in the growth rate of household deposits.
- Competition between banks for depositors.
- Change in the key rate by the Central Bank of the Russian Federation
- The outflow of foreign investment and the blockade of the debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
- Changes in legislation (until December 31, 2015, a privilege was in effect: no longer taxed Personal income tax interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum; there was an increase in the amount insurance compensation on deposits from 700,000 rubles. up to 1,400,000 rubles).
Information for reference
The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take into custody cash from them.
Attention!
Is the main indicator monetary policy... Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and remains unchanged until December 11, 2015. This is the fifth reduction in the key rate since December 16, 2014, when it was set at 17%.
Some confusion is introduced by the concept of "refinancing rate", which is also used when lending to private financial institutions, but since the introduction of the key rate, that is, since September 13, 2013, it has been of a secondary and reference nature, and since January 1, 2016, it is equal to the key rate, as stated in the document “On the system of interest rate instruments of monetary policy Bank of Russia ".
In addition to the above, it should be noted such monitoring tool of the Central Bank of the Russian Federation as "Maximum interest rate of ten credit institutions attracting the largest volume of deposits from individuals", which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.
Today, the Bank of Russia forms the “big ten” of the following banks:
- Sberbank of Russia;
- "VTB 24";
- "Bank of Moscow";
- Raiffeisenbank;
- Gazprombank;
- B&N Bank;
- "Alfa Bank";
- Bank FC Otkritie;
- Promsvyazbank;
- Rosselkhozbank.
This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on the official sites.
In the third decade of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions attracting the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.
Advice!
In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.
What else is useful to know about the average maximum bid? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended all private banks to exceed the indicator established during the monitoring by more than 2 percentage points (percent), since December 22, 2014 - by 3.5%, since July 1, 2015 it has allowed any increase in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).
Banks' fees for increased risk are set as follows:
- if the value of the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
- if the level of the interest rate on the deposit does not exceed the maximum rate by 2-3%, the credit institution is charged a fee at an additional rate of 0.12%;
- if the bank overestimates the lending rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.
What conclusion should ordinary investors draw from this information? If the level of profitability of a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore a private bank pays contributions to the DIA at an increased rate.
For ease of understanding, we will give an example from the previous methodology of the Bank of Russia:
- The current average maximum rate on deposits is 9.93%.
- The maximum recommended excess of the rate level is 3.5%.
- The maximum acceptable (with a marginal level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.
So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can deal either with an unstable credit institution or conducting risky transactions.
For the sake of fairness, we note that at the moment all deposits in one bank up to RUB 1,400,000 are “under the protection” of the Deposit Insurance Agency (DIA), so the risk is assumed to a greater extent by the banking system than by the depositors.
But there is little pleasant in the thought that you may run into a bank that has had its license taken away or that has started bankruptcy proceedings. On an annualized basis, inflation in 2015 is at 16%, but there are all prerequisites for a significant slowdown in 2016–2017.
Having looked at the dynamics of the decrease in the key and average maximum rates on deposits, it can be assumed that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.
Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.
In the winter, the market is revived with special seasonal products. Despite the fact that the number of interesting offers on deposits is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find the best deposit in rubles or in foreign currency, then this review will help you.
Ruble or foreign currency deposit?
The income and consumption of the overwhelming majority of Russians is ruble-oriented. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, interest rates on ruble deposits may rise, and it is advisable not to miss such a moment.
A warning!
Despite the fact that Russians traditionally consider the currency as a more stable option for saving funds, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the rates of the euro and the dollar are extremely high and the ruble has already managed to more or less stabilize.
If in the short term there is a significant strengthening of the ruble (which is possible with the weakening of sanctions or an increase in oil prices), then the foreign exchange contribution will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.
If you are not one of such people, then the contribution in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the overwhelming majority of Russians are focused on rubles, which means that they need to be saved.
Time deposit or on demand?
All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the investor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (profit from such a deposit will not even cover monthly inflation).
Term deposits are placed for a certain period, before the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is more often placed for a year, less often for several months.
Deposits with the longest storage period are sometimes provided with the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.
Refillable or non-refillable deposit?
Deposits are classified depending on the degree of the depositor's control over the invested funds. When opening a non-refillable deposit, any replenishment or withdrawal operations are prohibited - banks use them to offer the most favorable conditions for placing funds.
The replenished deposits allow you to add money to the account during the validity of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer top-up deposits that allow the customer to make spending and receipt transactions... As already mentioned, the best conditions are provided for non-refillable deposits.
The best deposits in rubles
At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is decreasing. Recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby causing an increase in interest rates on deposits up to 21-22%.
Throughout the year, the indicator has been decreasing: already in June 2016, the average rate on ruble deposits was 14-15%. Now the maximum yield is at the level of 12-13%.
Experts' forecasts are very ambiguous: the majority expect a further decrease, but there are also optimistic forecasts about a possible rise in rates due to the weakening of the ruble. A good interest rate on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.
"Moscow Credit Bank"Provides deposits with a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa-Bank - up to 10%, Raiffeisenbank - up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is ready to offer.
The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.
The best deposits in euros
The situation with foreign currency deposits is approximately the same as with ruble deposits. Average rate on deposits in euros is about 2.5-3%.
Attention!
Leading banks with high rates on foreign currency deposits, again, are not encouraging: average annual percentage is about 1.5–2.5%. For example, an option for a deposit in euros can be found in UniCredit Bank.
It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank Saint Petersburg you can count on a 2.8% rate when you open an on-line deposit for a period of 5 years in the amount of 50,000 euros or more. Interest is paid at the end of the deposit term.
Credit Bank of Moscow offers deposits from 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.
The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about the reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive terms for deposits.
In the current economic situation, of course, it is more appropriate to focus primarily on the bank's reliability. This will also serve to improve the banking sector: ineffective banks will be automatically ousted from the market. However, one should not unequivocally neglect the huge potential of the regions.
Among the regional banks there are quite solid ones with branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.
The best deposits in dollars
The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered here. At UniCredit Bank you can place a deposit of $ 20,000 or more.
Advice!
USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of B&N Bank: by placing an amount of $ 25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).
The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with this interest if he has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8-3.5%.
source: http: //site/www.kp.ru
How to choose a reliable bank to open a deposit?
I think many of you ask yourself the question: "How to choose a reliable bank" when planning to open a bank account, get a loan or mortgage.
The interest in this topic is simply explained: firstly, this is another small step towards mastering the basics financial literacy... Remember, we talked about this in the article "Economy and financial literacy need to be learned"?
Secondly, this is the first small step on the way. practical application of acquired knowledge, to which I was pushed by a far from new and not at all original thought: “money should work”.
A warning!
How to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?
I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with that type of investment, which, in fact, is not investment, but rather a way of accumulating funds - bank deposits.
How to choose a bank for a deposit
Why did I decide to start with this ancient and popular product? Because in our Everyday life we most often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".
We don’t feel stressed when we donate our money to the bank. And we are not afraid of losing our money, because, you see, the risk is minimal here.
And this does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, Pamm accounts, investments in stock market, in works of art, antiques, precious metals.
But we do not always know how efficiently our money can work in different banks. Different deposits on different terms and in different banks can bring completely different income.
Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what percentage.
There are many questions, let's go in order
The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was exacerbated by the recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.
And yet we still, and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.
To save or not to save?
The accumulation of money in itself, as a process, I think, for the majority is a boring and monotonous occupation. You have to be a real Plyushkin to save money for the sake of money.
But if the fulfillment of what has been desired for a long time looms ahead, it is a completely different matter.
Attention!
What exactly do you want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? This truly motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.
Goals will be achieved if they are set clearly and concretely. Believe it or not, this has happened to me more than once.
Bank deposits (deposits)
So, the goals are defined. And we return to our deposits again. To make it clearer, let's figure out the terms first.
What are deposits?
Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and on certain terms and conditions in order to preserve them and generate income.
These are the client's funds, which are subject to mandatory return upon the expiration of the contract or at the first request of the client. But at the time of placement on the deposit, they are managed by the bank.
This is a very popular banking product that emerged almost at the same time as the banking system. Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.
What are the deposits?
In fact, there are a lot of types of deposits that are offered by banks, each of which has its own characteristics, pros or cons.
But basically, deposits are divided into three main groups, depending on:
- from the term of the deposit - deposits "on demand" and time deposits
- from the possibility of replenishment - rechargeable and non-rechargeable
- from the type of deposit currency - deposits in rubles, foreign currency or multicurrency deposits.
From the term of placing money in the bank.
What is the difference between term deposits and demand deposits? On term deposits that are placed for a certain period (from 1 month to several years), interest is paid after the agreed period.
If the client withdraws his money before the end of the term stipulated by the agreement, then the bank can return in full only the original amount of the deposit, while the interest on the deposit can be partially charged.
Some banks, upon early termination of the agreement, can return the fully accrued interest, but usually low interest rates on such deposits.
Advice!
On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and the interest rates on them are much lower than on time deposits.
Refillable and non-refillable deposits
Everything is clear here. If the deposit is replenished, then this means that additional amounts can be made to the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.
If the deposit is non-refillable, the initial deposit amount cannot be increased, and interest will be calculated only on it.
In what currency to open a deposit?
In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.
The peculiarity of multicurrency deposits: on one account, you can place several amounts in different currencies, for each of which a different percentage will be calculated.
It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.
How to choose the most profitable investment?
What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary remuneration that the client receives for providing the bank with his funds for use).
Interest on bank deposits
First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (urgent or "on demand" ), capitalization and some other factors, which we will talk about later.
A warning!
Let's make a reservation right away that very high interest rates on deposits are not always a sign of a good bank.
Usually, after the conclusion of the agreement, the bank cannot unilaterally change the value of the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).
How is interest calculated on deposits?
- The first option: at the end of the term of the deposit, interest is charged on the original amount.
- Second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, the interest is transferred to a plastic card or other account.
- The third option: capitalization of interest on the deposit.
This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be charged on a larger amount.
This method of paying interest is sometimes called “ compound interest»And can be performed once a month, once a quarter, once a year or in connection with the expiration of the contract.
Attention!
As already noted, deposits with capitalization usually have more than low interest, but the income may be higher.
And a few more concepts that need to be understood when referring to bank deposits.
Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placement of a deposit for a new term without the participation of the client.
If there is no prolongation, the funds (principal plus accrued interest) will be transferred to the client's account, and no interest will be charged from that moment.
In order to resume their accrual, you need to come to the bank and open a new account. True, you need to take into account that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.
To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to present some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.
Profitable deposits in 2017
So, we found out what deposits are, how interest is accrued and what are the conditions for various contributions... And also figured out that the interest rate, which fluctuates mainly from 3 to 10 percent, depends on many factors.
Banks rating
The goal that you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).
Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, reliability are important.
You can often find good offers in banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks arrange for a short period of time.
Advice!
For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit with a lower interest rate.
But in general, this method of investment, which includes bank deposits, is not the most profitable option today. The size of the rates has been significantly reduced compared to what it was for a couple of years. And to find, for example, a deposit at 10% per annum, you need to try very hard.
And you need to understand that there is such a rule: how more bank offers opportunities for a deposit (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.
Where and how to find information about banks?
There are a lot of banks that offer us their services in our country. And sometimes the search for a suitable bank can take a long time. I hope these simple tips will help you navigate this issue.
One of the ways to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly composed of such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.
Large international agencies (Fitch, Moody's and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.
You can also draw certain conclusions by reviewing the bank's credit reporting, which is published on the Central Bank website or on the Bank of Russia website. But to understand these reports, perhaps, only a specialist can do it. We, ordinary customers, can try our luck on the Banki.ru portal, where information is presented in a more accessible form, which can be understood even by a non-professional.
A warning!
The bank's reliability is determined by its financial performance... For analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current month.
A sign of the bank's reliability and stability is large assets at the moment and their increase in comparison with previous periods. It also testifies to the reliability of the bank, the amount of its own funds(authorized capital).
According to news agency Finmarket, as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank, Bank Vozrozhdenie ", CB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MINB, Credit Bank of Moscow, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, JSB Rossiya, Sberbank RF, Svyaz-Bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HCF-Bank, UniCreditBank.
The need to assess the reliability of the bank based on the analysis of reporting, paying attention to criteria such as deterioration or violation of mandatory banking organization standards (which can lead to the revocation of the license), for not made own payments and difficulties encountered in paying off their own debts, for large cash turnovers that significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares ( this may signal the emergence of big problems for the bank in the near future), for any sharp decrease in balance sheet indicators without justified explanations.
Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which at least partially will help reduce the level of risks.
2. By the size of the bank. For large federal and regional banks, the expression “Too big to fail” is almost 100 percent applicable. Information about their assets, which testifies to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are some that deserve attention.
3. Bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.
4. The drop in ratings which can be downgraded by rating agencies. The fact that credit institutions do not have a rating is also alarming (which may serve as evidence of the bank's unwillingness to provide information to rating agencies, trying to hide something negative).
5. At high rates on deposits. Overpriced rates, which are significantly higher than the average level, or their sharp increase may indicate that the bank does not have enough of its own funds. And, trying to attract more customers through more profitable, at first glance, offers, credit institution trying to pay off his debts. This could be an indication of an increased risk.
How to understand if this rate is too high or not? In this case, you can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions which attract the largest volume of retail deposits published by the Central Bank. In March, the maximum rate on deposits was 8.35%.
6. To change the work schedule. Reduction of the bank's working time (decrease in the number of working days and the period of work during the day), reduction of personnel - all this can serve as indirect signs of problems that have arisen in the bank.
7. For problems encountered when carrying out monetary transactions (for example, delays in withdrawing cash, closing deposits, quality of service), as well as massive closing of accounts by bank clients. You can find out about this from reviews on various forums.
Deposit insurance - additional security measures
What will happen to our deposit if, nevertheless, we made a mistake, and our bank went bankrupt or its license was taken away?
This question worries all investors. In the case of bank deposits, you should not be afraid for your savings if they do not exceed the amount of 700,000 rubles.
Since October 1, 2008, a system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for clients. If such a nuisance occurs, and your bank is closed, within 14 days after the occurrence insured event you will be refunded the amount of the deposit.
Deposit insurance system
In one bank maximum amount compensation will be 700,000 rubles for all deposits. This point is worth paying special attention to.
That is, if you have several accounts opened in one bank for a total amount, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.
For example, putting in two banks 500,000 rubles each, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.
But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.
A government bill on increasing deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).
So how do you choose a reliable bank?
Before entrusting your money to one or another bank, be sure to check the bank's affiliation to Russian system deposit insurance. It is easy to do this: you can now find information on any bank on the Internet.
A warning!
First, select all banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.
From this list, choose the deposits with the highest interest rates, after making a comparative analysis of profitability in different banks. The more you study the offers on deposits and deposits, the more chances you have to find the best option.
Find out if the bank provides fees and commissions for any Additional services(for example, for replenishment of a deposit, cash withdrawal, opening an account) and penalties in case of premature termination of the contract.
Read the contract carefully! Optimal solution, in my opinion: the reliability of the bank and a relatively high percentage. But at the same time, do not forget that sometimes for excessive high rate there are big problems of the bank, which it is trying to solve at our expense.
A sensible approach, careful analysis and deliberate decision-making will allow you to make the right choice. But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.
The largest deposit rates in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum interest rate for today, in 2020.
A bank deposit for individuals today is one of the most affordable tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.
Most of the deposits, which are issued at maximum interest rates, have common features. They cannot be replenished, and partial withdrawals without loss of interest are also prohibited. The only exceptions are short-term deposits for a period of 1-3 months. But they, in general, are not time deposits, but savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals in Russian banks from the top 10 today, as well as their decoding by terms:
- 1 month;
- 3 months;
- 6 months (six months);
- 1 year (12 months).
Deposits with the highest interest rates for today
Thinking where to invest money in 2020 so that it works, many are wondering: which bank has the highest interest on deposits today. But when opening a deposit account with a bank, you should pay attention not only to the interest, but also to the conditions of this deposit, such as the minimum amount and term.
Deposit calculator
Deposits at maximum interest in top-10 banks
"Profitable approach"
ICD
7,3%
bid | from 50,000 sum | 375 days term |
For those who open IIS
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Takeoff"
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100,000 | 368 - 1800 days |
Registration of ILI or NSJ
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3000 | 31 days. - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100,000 | 122 - 731 days |
Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term
"150 years of reliability"
before 5,1%
| from 500,000 | 3 - 36 months |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For saving"
Gazprombank
up to 5% | from 15,000 | 3 months - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Growth time"
VTB Bank
up to 5.0% | from 30,000 | 180 - 380 days |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Victory +"
up to 4.92% | from 10 000 | 92 days. - 3 g. |
No replenishment
Without partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1,000 | 1 month - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Deposits with a maximum interest rate for 1 month
Deposits with a maximum interest rate for 3 months
Bank / Deposit |
|
7% | "Takeoff" |
5,32% | Gazprombank "Savings account" |
5,27% | "In reserve" |
5,22% | FC Otkritie "My piggy bank" |
5,02% | "Savings account" |
5% | Credit Bank of Moscow "All inclusive Maximum income" |
4,82% | "Victory + Premium" |
4,51% | VTB "Money box" |
3,96% | "Save" |
3,81% | UniCredit Bank "First class" |
High interest deposits for 6 months
High-interest deposits for 1 year
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
What is the safest amount to open deposits for?
According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In case of revocation of a license from such a bank, the Deposit Insurance Agency through agent banks fulfills its obligations to its depositors within the established limit. This is the meaning of guaranteeing the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest interest on bank deposits- if the license is revoked, of course, you have to get nervous, but the money will still be returned.
Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data are presented for informational purposes only, they are not a public offer.