Favorable deposits in December. Is it worth keeping money on bank deposits: all "for" and "against
"Bank of Moscow" offers several favorable contributions for individuals For 2016, interest up to 10.58% per annum.
Excellent programs: with capitalization, with monthly percent removal, with raising rates in subsequent periods, for pensioners and salary clients, etc.
The maximum percentage of all deposits of the bank (10.58% per annum) can be obtained by providing 1.5 million rubles for one year (taking into account the capitalization, the program "Maximum income").
It is also necessary to know that when opening a contribution through an Internet bank or an ATM, a bonus is added to 0.3% per annum in rubles, and + 0.1% per annum in dollars and euros.
All deposit programs "Bank of Moscow" (law on the "Deposit Insurance System").
1. Contribution "Right Answer" - Increased rates for period periods
This deposit can be opened through the Internet Bank, or the Bank's office.
The minimum opening amount is 100 thousand rubles (in another currency, the contribution cannot be discovered), the term is 380 days.
As you will see in the table, the rate grows according to the time period (four of them), and is equal to 8.0 to 12.0% per annum (average for a total of 9.75%).
The bet grows in the capitalization process - every 95 days. Interest will be paid to you at the end of the deposit period.
To replenish and partially remove the deposit - not permitted.
2. Contribution "Maximum Income" - Maximum annual rate
In this program, you can meet the maximum bet on all deposits of the bank, however, the deposit amount for it is very solid.
A very low minimum opening amount is 1 thousand rubles, 100 Euro-dollar.
The product goes with capitalization (interest is paid at the end of the term), and without it (monthly removal of the card).
Deposit term to choose a client - from 91 to 1095 days.
In case of early removal - in the period from 180 days - paid at a rate of 60% of the fixed (see table below).
I give a table with rates when opening through an Internet bank or an ATM, if you open through the office, take away from the desired value of 0.3% per annum.
Deposit term (days) | 91–180 | 181–364 | 365 | 366–547 | 548–730 | 731–1094 | 1095 |
---|---|---|---|---|---|---|---|
from 1,000 | 7,80% / 7,85% | 8,70% / 8,86% | 8,70% / 9,06% | 8,60% / 8,95% | 7,30% / 7,69% | 7,10% / 7,61% | 6,80% / 7,52% |
from 200,000 | 8,00% / 8,05% | 8,80% / 8,96% | 8,80% / 9,16% | 8,70% / 9,06% | 7,40% / 7,80% | 7,20% / 7,72% | 6,90% / 7,64% |
from 550,000 | 8,10% / 8,15% | 8,90% / 9,06% | 8,90% / 9,27% | 8,80% / 9,16% | 7,90% / 8,36% | 7,70% / 8,30% | 7,40% / 8,26% |
from 850,000 | 8,20% / 8,26% | 9,20% / 9,38% | 9,20% / 9,60% | 9,10% / 9,49% | 8,10% / 8,58% | 7,90% / 8,53% | 7,60% / 8,51% |
from 500,000 | 8,30% / 8,36% | 10,10% / 10,31% | 10,10% / 10,58% | 9,70% / 10,14% | 8,30% / 8,81% | 8,10% / 8,76% | 7,80% / 8,76% |
Note: bold in the table , marked bets during capitalization ...
3. Contribution "Current Pension" - We get income even for 1 day
True speaking, interest in this program is completely meager - 4% per annum (but it is at least better than to store "in stock").
There is no minimum opening limit and replenishment, percentages are paid once a quarter.
To open the contribution, it will be necessary to approach the office of the bank with a passport, and sign a contract (after examining it).
4. Contribution "Maximum Growth" - Great bet and sea bonuses
And the last product that we would recommend depositors have the following advantages: a decent "net" rate - up to 9.71% per annum, small sum Opening is 1 thousand rubles, the ability to remove to the "uncompound residue" (one time is permitted, after 180 days), preferential conditions for early termination (60% of the bet remain), the contribution can be replenished, capitalization and monthly removal.
Also, the program "carries in itself" improved conditions for their salary customers and pensioners.
The contribution can be opened in rubles, dollars (the maximum rate is 2.13% per annum), the euro (the maximum rate is 1.31% per annum).
Deposit period - from 91 to 1095 days, at the request of the depositor client.
Fattase in the table marked rates with capitalization. Data interest valid, when opening a contribution through ATMs or Internet Bank, if you open a deposit through the office, take away from the rates parameter - 0.3% per annum.
Deposit term (days) | 91–180 | 181–364 | 365 | 366–547 | 548–730 | 731–1094 | 1095 |
---|---|---|---|---|---|---|---|
from 1,000 | 7,30% / 7,34% | 8,50% / 8,65% | 8,50% / 8,84% | 7,90% / 8,19% | 6,30% / 6,59% | 6,10% / 6,47% | 5,80% / 6,32% |
from 200,000 | 7,50% / 7,55% | 8,60% / 8,75% | 8,60% / 8,95% | 8,10% / 8,41% | 6,40% / 6,70% | 6,20% / 6,58% | 5,90% / 6,44% |
from 550,000 | 7,60% / 7,65% | 8,70% / 8,86% | 8,70% / 9,06% | 8,30% / 8,62% | 6,90% / 7,25% | 6,70% / 7,15% | 6,40% / 7,04% |
from 850,000 | 7,70% / 7,75% | 9,10% / 9,27% | 9,10% / 9,49% | 8,60% / 8,95% | 7,10% / 7,47% | 6,90% / 7,38% | 6,60% / 7,28% |
from 1 500 000 | 7,80% / 7,85% | 9,30% / 9,48% | 9,30% / 9,71% | 8,80% / 9,16% | 7,30% / 7,69% | 7,10% / 7,61% | 6,80% / 7,52% |
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Each person saves money with different goals. However, many people do not understand that the storage of savings at home is not the best solution. Instead of bringing the income to its owner, they only lose their real cost due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only to preserve finance, but also to increase them in accordance with the Treaty.
To date, this product is a universal tool for attachment. Unlike stock market or precious metalsYou do not need special knowledge or permanent analysis economic situation. You just find a suitable offer and sign an agreement. At the same time, in most organizations there are no restrictions on minimum contributions, and if they are, then small.
The contract itself is very important, so before its signing you need to familiarize yourself with the text personally. To do this, ask the Bank's employees to give a sample in printed or in electronic format and carefully read all items, especially written small font and marked with an asterisk. With the help of such tricks, unscrupulous organizations are trying to mislead the potential client and register the conditions unfavorable for it.
Description of important points
The main plus service, in addition to stable income, is reliability. Consumer accounts protect the state on legislative level through the program mandatory insurance. Therefore, in the event of liquidation or license revocation you will be made compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limitation and place it in several organizations, eliminating various risks.
The next aspect that we will consider are the types of accounts. The first one is urgent. In this case, you put the funds for a certain time interval. Of course, you are entitled to apply for early removalHowever, with a high probability, the Bank will refuse to pay accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (in the people it is called "piggy bank").
The second option - to demand - goes at a low rate. The thing is that organizations are unprofitable to keep finances, knowing that the owner has the right to demand them to return at any time. Such a product prefers the category of customers to whom quite the fact of reliability, and their potential profit is not interested.
Online assistant
On the site you will find relevant products in the market. It contains reliable information that our specialists are checked daily and updated. By comparing the services by their main parameters - and this is the interest rate, the cost of opening and commission, you can make a right decision, and the section of the ratings will help you in choosing an organization. The site is the largest financial supermarket of Runet, successfully functioning for more than ten years. All the proposals displayed on this page are the best or profitable exclusively according to experts bank.
The biggest deposit rates in Moscow banks from Top-10 are presented on this page. You can compare and choose a deposit for the maximum percentage for today, in 2020.
Bank deposit for individuals today is one of the most accessible tools for investing savings. Opening a deposit, you keep your money in reliable place, get a small income on them, and also have quick access to them if necessary.
Most deposits that are drawn up for maximum interest are common features. They cannot be replenished, also forbidden partial removal without loss of interest. The exception is per all short-term deposits for a period of 1-3 months. But they, in general, not urgent contributions, and accumulative accounts without restricting the time of savings.
Choosing a contribution, of course, first of all, everyone looks at the percentage that the bank offers. Below are the most beneficial deposits today for individuals in Russian banks from Top-10, and their decoding in terms of timing:
- 1 month;
- 3 months;
- 6 months (half a year);
- 1 year (12 months).
Deposits with the largest interest rates today
Thinking where to invest money in 2020 so that they work, many are guessing: in which bank today is the biggest percentage of deposits. But, opening a deposit account in a bank, attention should be paid not only to the percentage, but also for the conditions of this deposit, such as the minimum amount and term.
Deposit Calculator
Deposits for the maximum percentage of Top-10 banks
"Favorable approach"
ICD
7,3%
rate | from 50,000 sum | 375 DN Time |
For those who opens iis
Without 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 removal
Without capitalization
Percentages monthly
"For life"
UniCredit Bank
up to 6.17% | from 100,000 | 368 - 1800 days |
Registration of saint or nszh
Without replenishment
Without partial removal
Capitalization monthly
Percentages monthly
"Profitable"
up to 5.55% | from 3,000 | 31 days - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC discovery
up to 5.5% | 750 000 | 1 year |
Without replenishment
Without partial removal
Capitalization monthly
Percentages 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 |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For savings"
Gazprombank
up to 5% | from 15,000 | 3 months - 3 years |
Without 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 |
Without replenishment
Without partial removal
Capitalization monthly
Percentages monthly
"Victory +"
up to 4.92% | from 10,000 | 92 days - 3 g |
Without replenishment
Without partial removal
Capitalization
Percentages monthly
"Save"
up to 4.54% | from 1,000 | 1 month - 3 g |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Deposits for the maximum percentage for 1 month
Deposits for the maximum percentage for 3 months
Bank / Contacts |
|
7% | "Takeoff" |
5,32% | Gazprombank "Savings account" |
5,27% | "About stock" |
5,22% | FC discovery "My piggy bank" |
5,02% | "Savings account" |
5% | Moscow Credit bank "All income is included" |
4,82% | "Victory + Premium" |
4,51% | VTB "Piggy bank" |
3,96% | "Save" |
3,81% | UniCredit Bank "First-class" |
Deposits at high interest for 6 months
Deposits for a high percentage per 1 year
If you need to pick up all the money from the deposit before the end of the deadline, you can do it at any time. However, interest are accrued, most likely will not be!
How much to open contributions most secure?
According to russian legislation Deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. If a license is revoked at such a bank, deposit insurance agency through bank banks fulfills obligations to its depositors within the established limit. This is the meaning of a guarantee of the safety of savings trusted by the Bank.
In short, if you invest less than 1,400,000 rubles, you can choose the biggest percentage of deposits in banks - If the license comes from, of course, it will have to take it, but the money will still return.
Return of funds over the specified amount is not guaranteed, so if you keep more than 1,400,000 rubles in a bank, then you make an increased risk.
Exact conditions and percentage of deposits are recognized in departments or on official websites of banks. The data are presented for informational purposes, are not a public offer.
Strict economy regime, hard work, inheritance or gift can contribute to the appearance of a free amount of funds to which you can dispose of the most in many ways: to hide money in a secret place, to invest in business, buy real estate, etc. IN lately Alignment in Moscow is becoming increasingly popular. They allow you to be guaranteed to preserve capital, including at the expense of state insurance, and also get additional income in the form of percentage paid.
Rates on deposits in Moscow banks
Since interest on deposits in Moscow is determined in many ways, which amount on the deposit will be added to the original, many consider them the most important condition of the contribution and on this basis make the choice of the program and the Bank.
Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profits. So, the type of deposit itself can strongly affect the profitability of the entire deposit program:
- urgent contributions with a rigid restriction of the storage period of savings are characterized by the highest percentages;
- indefinite or short-term deposits are usually accompanied by more low rates on deposits in Moscow banks.
So, if you want to discover the contribution under high percentages, Try to competently plan your budget to be prepared for complying with certain restrictions:
- a ban on closing a bank deposit in Moscow ahead of the deadline;
- a ban on partial removal of funds placed on the contribution.
Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and reduce the initial rate.
In addition, you can choose a period of interest payments. There are several options:
- daily;
- once a week;
- once a month;
- once a quarter;
- only at the end of the term.
All percentages are charged on deposits of individuals in Moscow daily, but may differ from each other by the presence of capitalization.
Which bank of Moscow is better to discover the contribution?
In 2020, many banks operate with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alpha Bank, etc.
To discover the contribution in Moscow on the best conditions, you will have to spend time on learning all current options, calculations, consultations with specialists.
Quickly get all the necessary information on the existing contributions will help you with a deposit calculator on this page:
- Enter your deposit requirements.
- Get full list Actual deposits in Moscow banks are updated today.
After that you can make a weighted choice, as well as immediately send an online application for the selected deposit program.
Two years ago our banks under New Year Pleased with the depositors with festive shares, during which deposit rates have increased markedly, sometimes 1-2 percentage points. But, it seems, those inener times have passed when banks willingly increasing their liabilities to distribute more loans at the end of the year.
Analysis recent changes On the market currency deposits She showed that some bank still began to increase their interest, mainly for dollar savings. However, this movement cannot be called a trend, since most of the credit institutions continue to reverse the profitability of such deposits. New price It differs from the old often by 0.3-0.5 pp. Today is the most high rate There are 2.9-3.5% per annum, but the threshold of the amount to open such a contribution begins from 100,000 or more than US dollars. But the yield of 2.7% per annum is quite accessible for small investments.
Maximum expensive deposits of Sberbank are currently looking like this: 1.25% of $ 20,000, 0.25% of 20 000 €, 6.85% of 700,000 rubles. And up to 8% -.
Inflation, which is desirable to navigate the depositor when choosing a deposit, reached in November-2016 level 5.8% (month earlier - in October it was 6.1% per annum). The Bank of Russia still has not yet refused a reference point of 4% by the end of next year, but already expresses concerns that inflation in Russia will permanently depend at 5-5.5%. And this forecast has its good reasons related primarily to the growth of food prices and inflationary expectations of the population. However, no one excludes the risk of devaluation shocks, which, for example, in 2014 gave rise to prices and banking rates Unprecedented acceleration.
Bank | Max. Deposit rate in rubles (% per annum) | Max. Bet in US dollars (% per annum) | Place in the ranking of assets (the result of October 2016) |
Bank Premier Credit Favorable cooperation | 10,5 | 0,5 | 381 |
BBR Bank New Year's Sprint | 10 | 2 | 104 |
SDM Bank Pension | 9,8 | 1,2 | 94 |
International Bank of St. Petersburg Supervklad. | 9,75 | 2,25 | 93 |
Intekhbank Investor. | 9,6 | 2,1 | 120 |
Top 50 banks | |||
Russian standard Populated | 9,5 | 2 | 21 |
AK Bars Festive percentage | 9,3 | 1,2 | 20 |
Absolut Bank Progressive income | 9,15 | 1,7 | 34 |
Home Credit Bank Maximum income | 9 | 1,5 | 42 |
Sovcombank Maximum income | 9 | 1,75 | 19 |
Bank Premier Credit, Contribution Favorable Cooperation
There is a fairly high rate even for small investments from 30,000 rubles. The yield depends on the term - than it is longer, the higher the percentage in the lineup 2-8-9-10.5% per annum. The exact number of the deposit agreement can be chosen independently within: from 31 to 367. Profit is paid once a month. The bank reluctantly accepts from customers to foreignut, so the maximum rate for dollars and euros is 0.5%, which is present in other deposits.
The proposal is valid subject to the additional conditions described on the Bank's website. This deposit has no options, that is, there is neither partial consumption nor replenishment, nor privileges of the council.
A small Moscow bank, however, has five offices in the capital and two in the region. The level of creditworthiness of the FININSTVITTUT is rated in Expert RA.
BBR Bank, the contribution of New Year's sprint
The seasonal action, acting until the end of January, offers depositors of a bet of 10% per annum with minimal savings from 30,000 rubles. The term here is one - 300 days, without the possibility of another choice. All percentages are paid at the end of the contract. Invalistic savings can be placed on another contribution "income" under 0.8-2% per annum for up to two years.
Of the additional functions there is only the ability to replenish an account. It is limited to the first month after signing the contract and minimum amount 30 000 rubles. With each arrival operation.
Shareholders of the Baltic Bank Development Bank are simultaneously its Board of Directors. Activity credit organization Presented by two additions in Moscow and five regional branches.
SDM-Bank, pension contribution
The percentage of profits although fixed for the entire term of the contract, but their specific value depends on the moment of opening the contribution. Under the terms of the sentence, the yield is equal to the rate of the Central Bank (which sometimes changes) reduced by 0.2 percentage points. Today, the deposit agreement is 9.8% per annum. The most remarkable - the deposit period is possible within 3-5 years, where the client itself determines the exact number of days. Quarterly capitalization will increase profits.
The account can be replenished almost all time, except for the last three months. Also provided for a single partial removal of the amount within 1/3 of the volume of the contribution. There are benefits at early termination.
Bank with nine regional offices is difficult to name small. Metropolitan residents serve thirteen offices.
International Bank of St. Petersburg (MBSS), Supervklad contribution
Depositor can be chosen one of the three deadlines: 271-367-547 days. They correspond to them: 9.25-9.75-9.25% per annum in rubles or 1.9-2.25-1.9% in US dollars. The payment of interest occurs in the form of rent - once a month without capitalization. The rate can be increased by 0.2 pp. When complying with the conditions posted on the Bank's Internet portal. Lower threshold input - 1,000,000 rubles.
Deposit is replenished. Additional contributions from 100,000 rubles. or 3,000 dollars / euro are accepted in the first nine months of the contract. Pick money from the deposit can be ahead of time while saving interest ratestarting from the third month of the contract.
St. Petersburg Bank is represented in Moscow with one department. A total of five branches in the regions, in addition to the head business in the Northern Capital, the FININAST is all.
Intehbank, Investor contribution
The minimum amount of the contract is 50,000 rubles. The yield of investments is 9.6% per annum. The term is only one without the possibility of choice - 372 days. Profitable interest paid every month to the current account, from where they can be replenished, i.e. Make a "manual" capitalization. Additional conditions for opening a contribution - read on the Bank's website.
Replenishment is possible by any sums and at any time of the contract. It is possible to remove part of the deposit without full closure, leaving the rest of at least 500,000 rubles. Early termination for a period of more than six months will save all interest accrued by this time.
One of several banks of the Republic of Tatarstan has four regional branches. The Moscow branch is represented by one office in the hotel pass.
Russian Standard, the contribution is replenished
Minimum an initial fee - 30 000 rubles. True, when opening a contribution through Internet banking, the initial threshold is reduced to 10,000 rubles. The client is granted a choice of two deadlines 181 or 360 days, which correspond to two rates depending on the currency: in rubles - 9-9.5% per annum, in dollars 1.5-2%, in euro 0.75-1.25% . The method of interest accrual is all at the end of the term.
Additional terms of the contract are presented by two useful options: unlimited replenishment and the ability to open an account remotely.
- The largest financial institute in Russia, specializing in retail lending. From his more than one and a half hundred departments throughout the country in Moscow, almost three dozen are located.
AK BARS, contribution festive percentage
The best ruble rate of the bank is 9.3% per annum acts on two terms - 186 or 372 days. On the period of 93 days, the yield is slightly less - 9.2% per annum. Minimum savings placed on the contribution - 30,000 rubles. Once a month, the depositor is paid interest. The offer is valid until the end of this year. Using the Internet, the depositor may increase the yield of 0.2 pp. The best currency deposit is called "Person".
An increase in the deposit amount is possible, but there are limitations for a term and amount: with each operation, at least 5,000 rubles. During the first two months after opening.
The biggest regional Bank Republic of Tatarstan. Among 32 branches of the credit institution throughout the country there are two branches in Moscow.
Absolut Bank, contribution progressive income
The contribution from those called "stair interests", which means that every quarter percent yield changes. The average result is the following. For the amount from 50,000 rubles. The average total is 8.15% per annum, for the amount from 1,400,000 rubles. - 9.15%. The duration of the contract is 367 days. The choice of the depositor interest can be removed in the form of rent or capitalize. Currency savings are accepted for another deposit "Absolute Maximum +".
Potations are possible only in the first half of the term and in total amount up to 1,000,000 rubles. The minimum threshold of each prelimincture is 3,000 rubles. A preferential rate is provided if the contribution is closed until the term.
The credit institution is represented in Moscow 13 offices. The Bank's branches network covers five regions.
Home Credit Bank, contribution maximum income
With a maximum rate of 9% per annum with somewhat different conditions. Both deposits are calculated on savings from 1,000 rubles. If the term of the "maximum income" is 18 months, then "capital" - 36 months. The interest system of interest at the first - monthly rent or capitalization to choose from. In the second - all percentages are issued at the end of the term. Maximum currency income are looking for an "profitable year" deposit product.
Both deposits are replenished. The amount of arrival operations - from 1 000 rubles. There are restrictions on the period of replenishment. Both accounts can be opened through Internet banking.
The bank is one of the leaders in the POS-lending segment, so its network of branches is presented throughout Russia. 23 branches are marked on the map of Moscow.
Sovcombank, contribution maximum income
On the deposit can be investigated from 30,000 rubles. or from $ 5,000 / euro. The timing range from 31 to 365 days, in which rates are valid: 8.8% or 9% per annum in rubles. The highest of them for investments for a period of 3-6 months. The deposctor of the Wave independently choose the duration of the contract with an accuracy of the day. Interest - at the end. Operations through the Internet Bank will add to the rate of 0.3 percentage points.
From convenient options there are only preliminals. But pay attention to the bank's statement that it may refuse to contribute to perceptions at any time.
Oksana Lukyan, expert contributesbank.ru