The best deposit in rubles. Which bank has the most favorable conditions for deposits and a high percentage of the deposit?
Passive income is a nice bonus to your salary. There are many places where people often invest money in the hope of creating money: playing in the foreign exchange market, investing in cryptocurrencies, investing in company shares and more. But these methods do not guarantee results. When contributing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.
The least risky way to increase profits on an ongoing basis is a bank deposit. An individual provides the bank with his savings, for which the bank pays a certain percentage of the invested amount monthly or annually.
Best interest rates on bank deposits
You should trust finances only to reliable structures. This is one of the main criteria according to which depositors choose a bank. Nowadays, banking crises are not uncommon. 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 deposit. It is desirable that there be not only a high interest rate, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.
To combine the bank's reliability and profitability, we have compiled an up-to-date list of the most profitable deposits.
“My income” (Promsvyazbank)
Conditions:
- currency - rubles;
- minimum amount - 100,000 rubles;
- terms and interest:
- at 91 days - 6.6%;
- on day 181 - 6.7%;
- for 367 days - 6.7%.
Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of schedule, preferential terms will make the process quick and with minimal losses. You cannot withdraw part of the money or replenish the deposit amount during its validity.
Interest is paid at the end of the agreed period to the same account in which the original deposit was placed. If you close the deposit after the due date, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.
“Maximum income” (Moscow Credit Bank)
Conditions:
- minimum amount - 1000 rubles; US$100; 100 euro;
- terms and interest for deposits in rubles:
- for 95 days - 5.75%;
- for 185 days - 6.25%;
- for 370 days - 6.75%.
- for 95 days - 0.75%;
- for 185 days - 1.10%;
- for 370 days - 1.45%.
- for 95 days - 0.01%;
- for 185 days - 0.20%;
- for 370 days - 0.55%.
According to the primary agreement, interest is paid at the end of the term. However, the bank has created the ability to connect additional options. Thus, the investor can partially withdraw the invested funds, replenish the account, and also demand interest monthly. To activate one or more of the services described, you must enter into an additional agreement.
If there are additional conditions, additional interest is provided for. If the client has an annual “Service Package” program, 0.25% will be added to deposits in rubles, and 0.15% to deposits in foreign currency. The same amount of premiums is possible if you open a deposit not in a bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is extended automatically in ascending order. And after an open year, another 95 days will be added.
"Maximum income" (Sovcombank)
Conditions:
- currency - rubles, dollars, euros;
- minimum amount - 30,000 rubles; US$5,000; 5000 euros;
- terms and interest when opening a ruble deposit in the office for up to 1 year:
- upon termination within 31–90 days - 6.6/7.6% (Halva card);
- upon termination within 91–180 days - 7.0/8.0% (Halva card);
- upon termination within 181–270 days - 6.6/7.6% (“Halva”);
- upon termination within 271–365 days - 6.6/7.6% (“Halva”).
- terms and interest when opening a ruble deposit in the office for up to 3 years:
- upon termination within 90 days - 6.8/7.8% (Halva card);
- upon termination before 180 days - 7.2/8.2% (Halva card);
- upon termination before 365 days - 6.8/7.8% (Halva card);
- upon termination before 730 days - 6.0/7.0% (Halva card);
- upon termination before 1095 days - 6.0/7.0% (halva card).
- terms and interest when opening a ruble deposit through Internet banking for a period of up to 1 year:
- upon termination within 31–90 days - 6.6%;
- upon termination within 91–180 days - 7.0%;
- upon termination within 181–270 days - 6.6%;
- upon termination within 271–365 days - 6.6%.
- terms and interest when opening foreign currency deposits:
- in US dollars for 271–365 days - 1.55%;
- in US dollars for 1095 days - 3.00%;
- in euros for 271–365 days - 1.00%.
Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit period.
"Reliable" (Opening)
Conditions:
- currency - rubles, dollars, euros;
- minimum amount - 50,000 rubles; 1000 US dollars; 1000 euros;
- terms and interest:
- for ruble deposits for 91 or 191 days - 6.42–7.30%;
- in US dollars for 91 or 181 days - 0.20–0.80%;
- in euros for 91 or 181 days - 0.10%.
The accumulated interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the original deposit amount. The rate increases if you own a Pension card of this bank.
"Maximum interest" (Binbank)
Conditions:
- currency - rubles, dollars, euros;
- deposit term - from 3 months to 2 years;
- minimum amount - 10,000 rubles; US$300; 300 euros;
- terms and interest for ruble deposits:
- when opening in a bank branch - 6.10-7.30%;
- for individuals (pensioners) - 6.25-7.45%;
- when opening via the Internet - 6.30-7.50%.
- terms and interest for deposits in US dollars:
- when opening in a bank branch - 0.55-1.65%;
- for individuals (pensioners) - 0.55-1.65%;
- when opening via the Internet - 0.55-1.65%.
- terms and interest for deposits in euros:
- when opening at a bank branch - 0.01%;
- for individuals (pensioners) - 0.01%;
- when opening via the Internet - 0.01%.
During the validity period of the deposit, you cannot replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, along with interest, is returned to the investor after the end of the agreed period.
"Profitable" (Rosselkhozbank)
Conditions:
- currency - rubles, dollars;
- terms for opening a deposit - from 31 to 1460 days;
- minimum amount - 3000 rubles; US$50;
- interest rate for ruble deposits - up to 6.70%;
- the interest rate for deposits in US dollars is up to 2.45%.
Some of the most comfortable conditions. An individual can receive interest even from small deposits for a short period. You cannot replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.
"Profitable" (VTB 24)
Conditions:
- currency - rubles;
- minimum amount:
- when opening a deposit online - 30,000 rubles;
- when opening a deposit at a bank branch - 100,000 rubles.
- terms and interest when opening a deposit at a bank branch:
- for a period of 3–5 months - 6.20/6.23%;
- for a period of 6 months - 6.20/6.28%;
- for a period of 13–18 months - 5.90/6.15%;
- for a period of 18–24 months - 5.70/6.02%;
- terms and interest when opening a deposit online:
- for a period of 3–5 months - 6.60/6.64%;
- for a period of 6 months - 6.60/6.69%;
- for a period of 6–13 months - 6.15/6.23%;
- for a period of 13–18 months - 6.10/6.29%;
- for a period of 18–24 months - 5.90/6.15%;
- for a period of 24–36 months - 5.70/6.02%;
- for a period of 36–61 months - 3.10/3.25%.
This deposit has an increased profitability, but if funds are withdrawn before the end of the contract, it is lost. Capitalization possible. If you do not close the deposit on time, its term is automatically extended for the shortest possible time (3 months), but no more than 2 times. If you close your deposit before the due date, you will receive 0.6% of the original rate. But for this, the deposit period must exceed 181 days.
"Pobeda+" (Alfa-Bank)
Conditions:
- currency - rubles, dollars, euros;
- minimum amount - 10,000 rubles; US$500; 500 Euro;
- interest rates:
- in rubles - 5.5–6.23%;
- in US dollars - 0.35–2.38%;
- in euros - 0.01–0.20%.
You cannot replenish your deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it if the contract is terminated early.
"Savings" (Gazprombank)
Conditions:
- currency - rubles, dollars, euros;
- minimum amount - 15,000 rubles; US$500; 500 Euro;
- terms - from 3 months to 1097 days;
- interest rates for ruble deposits:
- for an amount from 15,000 to 300,000 rubles - 5.6–5.8%;
- for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
- for an amount from 1,000,000 rubles - 6.0–6.4%;
- interest rates for deposits in US dollars:
- for amounts from $500 to $10,000 - 0.30–1.40%;
- for an amount over $10,000 - 0.40–1.50%;
- interest rates for deposits in euros:
- for an amount from 500 to 10,000 euros - 0.01%;
- for an amount from 10,000 euros - 0.01%.
A long term provides for the presence of separate conditions for interest payments. As a consequence, with a deposit period of more than 365 days, interest is paid not at the end of the entire term, but at the end of the calendar year. It is prohibited to replenish your account or withdraw funds. You can extend the deposit period, but not automatically. To do this you will have to visit the bank office.
“Replenish” (Sberbank)
Conditions:
- currency - rubles, dollars;
- minimum amount - 1000 rubles; US$100;
- terms - from 3 months to 3 years;
- terms and interest rates for ruble deposits when opened through Sberbank Online (from 1000 rubles):
- for 3–6 months - 3.70/3.71%;
- for 6–12 months - 3.80/3.83%;
- for 1–2 years - 3.60/3.66%;
- for 2–3 years - 3.45/3.63%;
- for 3 years - 3.45/3.63%.
- terms and interest rates for ruble deposits when opened through Sberbank Online (from 100,000 rubles):
- for 3–6 months - 3.85/3.86%;
- for 6–12 months - 3.95/3.98%;
- for 1–2 years - 3.75/3.82%;
- for 2–3 years - 3.70/3.83%;
- for 3 years - 3.60/3.80%.
- terms and interest rates for ruble deposits when opened through Sberbank Online (from 400,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opened through Sberbank Online (from 700,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opened through Sberbank Online (from 2,000,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75%.
- terms and interest rates for ruble deposits when opening in a bank branch (from 1000 rubles):
- for 3–6 months - 3.45/3.45%;
- for 6–12 months - 3.55/3.58%;
- for 1–2 years - 3.55/3.58%;
- for 2–3 years - 3.30/3.41%;
- for 3 years - 3.20/3.35%.
- terms and interest rates for ruble deposits when opened in a bank branch (from 100,000 rubles):
- for 3–6 months - 3.60/3.61%;
- for 6–12 months - 3.70/3.73%;
- for 1–2 years - 3.50/3.56%;
- for 2–3 years - 3.45/3.57%;
- for 3 years - 3.35/3.52%.
- terms and interest rates for ruble deposits when opened in a bank branch (from 400,000 rubles):
- for 3–6 months - 3.75/3.76%;
- for 6–12 months - 3.85/3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opened in a bank branch (from 700,000 rubles):
- for 3–6 months - 3.75/3.76%;
- for 6–12 months - 3.85/3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opened in a bank branch (from 2,000,000 rubles):
- for 3–6 months - 3.75/3.76%;
- for 6–12 months - 3.85/3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for dollar deposits when opened through Sberbank Online (from $100):
- for 3–6 months - 0.25%;
- for 6–12 months - 0.55%;
- for 1–2 years - 0.85%;
- for 2–3 years - 0.95%;
- for 3 years - 1.05%.
- terms and interest rates for dollar deposits when opened through Sberbank Online (from $3,000):
- for 3–6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2–3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opened through Sberbank Online (from $10,000):
- for 3–6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2–3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opened through Sberbank Online (from $20,000):
- for 3–6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2–3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opened through Sberbank Online (from $100,000):
- for 3–6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2–3 years - 1.05%;
- for 3 years - 1.15%.
- for 3–6 months - 0.05%;
- for 6–12 months - 0.20%;
- for 1–2 years - 0.50%;
- for 2–3 years - 0.60%;
- for 3 years - 0.70%.
- terms and interest rates for dollar deposits when opened at a bank branch (from $3,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.25%;
- for 1–2 years - 0.60%;
- for 2–3 years - 0.70%;
- for 3 years - 0.80%.
- terms and interest rates for dollar deposits when opened at a bank branch (from $10,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.30%;
- for 1–2 years - 0.65%;
- for 2–3 years - 0.75%;
- for 3 years - 0.85%.
- terms and interest rates for dollar deposits when opened at a bank branch (from $20,000):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2–3 years - 0.85%;
- for 3 years - 0.95%.
- terms and interest rates for dollar deposits when opened at a bank branch (from $100):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2–3 years - 0.85%;
- for 3 years - 0.95%.
For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the deposit amount. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.
Advice: find out which financial institutions today.
How to calculate the profitability of a deposit?
Calculating interest according to bank terms is not always easy. The standard formula provides for a fixed amount of accrued interest and a deposit amount that does not change throughout the entire period. The calculation is made as follows: deposit amount * duration of the deposit * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.
Formula for deposit profitability with capitalization includes several more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate as follows: N*(1+P*d/D/100)n-N, Where
- N – initial deposit size;
- P – interest rate;
- d – calendar days after which new interest is accrued (usually 30 or 31 days);
- D – 365 or 366 days a year, depending on the current year;
- n – how many times interest will be accrued (if the capitalization period is 30-31 days, then this number will be 12).
Common mistakes when choosing a deposit
Typical majority opinions can sometimes lead to unpleasant situations. Banks try to play for maximum benefit from clients, so clients should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any variations provided.
First mistake. The proposal looks noticeable and is better than others in all respects. The interest rate is significantly higher than the market average. This is a signal to take a closer look at the bank itself. A positive scenario: a big holiday is coming up and the bank is attracting new customers with similar promotions. Negative option: the bank is unreliable and could collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and investors lose everything.
Advice: check each bank for presence in the Deposit Insurance Agency system. This organization returns citizens' deposits in the event of bank liquidation. Initially, dubious structures, as a rule, are not associated with it. You can also see on the AKB website which banks have already been liquidated or are in the process of being liquidated.
Second mistake. You choose the maximum deposit term because it pays the most interest. The pitfall is that today the ruble exchange rate is not tied to the price of oil. Its fall and rise are impossible to predict. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.
Advice: If you want to take the maximum term, take the average one. Preferably with interest capitalization. The deposit period should not exceed one year.
Third mistake. The terms of the deposit provide a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Please note the bet: it is clearly not the maximum. The presence of some advantages eliminates others.
Advice: Before opening a deposit, set your priorities. Is interest capitalization so important to you? What about monthly withdrawals? Will it really be necessary to withdraw part of the invested funds ahead of schedule? Based on the responses received, choose a bank only with those additional offers that you really need.
Fourth mistake. Ignoring the achievements of civilization. Most large banks are transferring their services to the Internet format. There are even banks that operate entirely on the Internet. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than if you open it in the office.
Advice: If you are concerned about the safety of your data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below) or the inscription https in green.
This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without an SMS with an access code, you will not be able to deposit or withdraw funds.
Let's sum it up
Bank deposits – for individuals. When choosing terms, you should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks you have never heard of before.
Also, initially decide what you want to get from the deposit. Additional income is guaranteed by the capitalization of interest. Choose realistic dates in which you definitely won’t need this money. Early termination of the contract with the bank risks paying much less money than was specified in the contract.
Only a few banks offer high-interest deposits in Moscow. Some make such an offer to attract new clients, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if several conditions are met:
- the account is opened immediately for the entire amount;
- nothing can be done with the funds until the end of the contract;
- the client belongs to the preferential category.
High interest rates are possible within . They also receive maximum profit when opening a foreign currency account.
Conditions for opening a deposit at a high interest rate in Moscow
A high percentage can be opened by citizens both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:
- minimum amounts.
The highest rates on deposits in Moscow are offered by institutions that have high indicators of their own assets, a good loan portfolio, that is, they are stable.
On our website you will find bank deposits with high interest rates in 2019. For convenience, we offer a comparative table with current information and to calculate possible profits. The data is updated regularly to ensure our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.
A bank deposit has been and remains the simplest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For Moscow residents, bank deposits are especially relevant: having the opportunity to deposit more money into an account, they can count on higher interest rates and profits. But which bank should you make a deposit in, and where will it be both profitable and safe?
As for security today, everything is simple: the state deposit insurance system protects depositors from losing money due to the ruin or liquidation of a bank, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: all you have to do is choose the program with the best deposit conditions and open an account. Interest rate cuts may resume at the beginning of 2017, so it makes sense to choose the most suitable offer today.
What deposits in Moscow banks will bring the highest interest? Where will be the most profitable place to invest money in 2017?
Sberbank
It would be reasonable to start with Sberbank, as the most popular bank among depositors in Moscow. But it’s not very good to make savings in this bank. It's all about the interest rates, which are the lowest among all other banks that we are considering in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, not counting the seasonal “Good Year” offer with a rate of up to 8%.
However, the “Manage”, “Save” and “Replenish” deposits are quite convenient for bank clients. There are no strict restrictions on the amount or period: the client can independently choose any period (from 1 month) and deposit even a minimum amount (from 1000 rubles) into the account. On some deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher on average by 0.4%.
VTB 24
Among the banks offering deposits, it differs in that it offers its clients ample opportunities to receive additional income. The Bank offers three deposit products – “Comfortable”, “Accumulative” and “Profitable”. The maximum income is possible on the “Profitable” deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). For a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period from 91 to 181 days. When opening an agreement in Internet banking, the interest will be higher.
Alfa Bank
At the moment, it offers its clients not only loan products, but also a whole range of deposit programs. The lowest percentage for income-generating (non-accumulative) deposits is 7.10% (the “Potential +” deposit), the highest for the “Victory +” (8.34%) and “Premium +” (7.60%) deposits for the deposit amount from 10,000 rubles. For the Pobeda deposit, you can expect a maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank 0.05% of the deposit amount to the charitable fund for saving sick children " Life line."
VTB Bank of Moscow
The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the “Seasonal” deposit - up to 10% per annum can be obtained by depositing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days; replenishment and partial withdrawal are not provided. Also, under the “Maximum Income” program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year for an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening “Maximum Income”, “Maximum Growth” and “Maximum Comfort” deposits in the Internet Bank, an increased rate applies - +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.
Home Credit Bank
Home Credit offers its investors several savings programs. One of them is the “Profitable Year” deposit, which is opened in both rubles and foreign currency. The “Profitable Year” deposit is issued for a year, the minimum down payment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum Income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the “Maximum Income” deposit is opened only in the Internet Bank. At 8.0% per annum, the “Capital” deposit is opened for a period of 36 months, but without capitalization of interest. For all deposits except " Cabinet", the minimum amount of the first payment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).
Tinkoff
Tinkoff Bank offers its clients one type of deposit, issued remotely, with interest rates of up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with capitalization - 1.25%). You can count on this percentage for a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, for a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.
It is possible to replenish (there are time limits) and partially withdraw up to the minimum balance.
Russian standard
The maximum rate at Russian Standard Bank can reach 10% under the “Maximum Income” deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement when registering on the bank’s website or in the office is from 30,000 rubles, and when opening in the Internet bank – from 10,000 rubles at the same rate. On the “Replenishable” term deposit, the holder of funds can receive up to 9.5% per annum. The shelf life is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate we indicated by placing them for a period of 360 days.
Where is the best place to store money?
As you can see, deposits in Moscow banks are offered under different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles await you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make incoming and outgoing transactions on the account, because for the most part, high-yield deposits prohibit both replenishment and partial withdrawal of funds; interest is also usually paid only at the end of the term, which is not always convenient for depositors.
Updated December 2016
A complete list of the most current bank offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.
All banks are interested in attracting as much depositors' funds as possible to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by ease of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.
In this article:
Choosing the right investment
Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.
It’s easy to choose the highest percentage, but what to do if you urgently need money? This is where savings programs with the right to partially/fully withdraw money come to the rescue. Having cashed out some of the funds, the client does not close the deposit, and in some cases does not even lose interest.
If you have available funds, income can be increased by increasing the deposit amount, thanks to the right to replenish it. A standard “income” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract term without the ability to manage and use funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.
The conditions for making deposits in different banks are relatively equal:
- You need to choose a specific offer.
- Deposit an amount not lower than the specified minimum.
- Present an identification document.
Below are the most profitable deposits in Moscow banks, depending on their capabilities.
Income deposits
- Bank of Moscow “Correct answer”
Interest rates up to 11% in rubles.
Deposit - from 100 thousand rubles.
- BinBank
Annual interest is up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.
- PromSvyaz Bank "My Benefit"
Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.
- Alfa Bank
Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.
- UniCredit Bank
Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.
- VTB 24 "Profitable"
Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.
Deposit calculator
Deposit amount
Interest rate (%)
Deposit term (months)
Monthly interest
Reinvested withdrawn
- Gazprombank "Perspective"
Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.
Replenishable deposits
- Bank Trust "Accumulative"
The annual rate is up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.
- PromSvyaz Bank "Maximum Opportunities"
Interest rates up to 10% in rubles. Deposit - from 300 thousand rubles.
- Gazprombank "Accumulative"
The annual rate is up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, 500 $ and 500 €.
- VTB 24 “Accumulative”
Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.
- RaiffeisenBank "Personal Choice"
Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.
- Sberbank "Replenish"
Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.
Deposits with early withdrawal
- Bank Trust "All inclusive" with the ability to top up your account
Interest rates are up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.
- Gazprombank. Product "Dynamic" has an additional opportunity to replenish deposits.
Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.
- Rosbank "Optimal"
Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.
- UniCredit Bank. Deposit "Universal" allows you to top up your account.
Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.
It is formed based on the total volume of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking you will be able to choose the right one. Based on the information provided, you will be able to select the best offers in terms of profitability and interest rates.
Features of the formation of the rating of Russian banks by deposits
Russia by deposits is formed according to the Central Bank of the Russian Federation. The analysis also takes place based on other indicators:
- Positions in the ranking compiled by independent agencies.
- Opinions of clients who have already made transactions with this bank.
- Positions in the ranking compiled by ordinary people.
For the Central Bank of Russia, the main indicator is the size of the institution’s own capital. The more funds, the less likely it is that it will be declared insolvent.
Rating of banks in Russia by retail deposits in 2019
In 2019, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more trust there is in this financial organization. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:
- interest rates,
- creditworthiness.
The top best banks may change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.
The rating of banks today is based on reports provided by financial organizations. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.
If we consider the ranking by interest rates, the list may be different. When choosing, pay attention to the rating based on the total cost of deposits. It includes additional payments, bonuses and other gifts for investors.
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