What is the most profitable contribution to. High rates deposits
Content
Keep your money in the Savings Bank, if you have it! A quote from Gaidai's comedy is still relevant now. Interest rates on deposits in banks are high today so that people can profitably place money on a deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and keeping bills at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.
Individual deposit rates
The latest polls show that more than half of Russians believe that it is better to keep money in a bank, in a deposit or savings account. The index of trust in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however there is a concept average rate bank interest, which is established by the Central Bank:
- The central bank analyzes the actions of all financial institutions, not only to identify violations that lead to fines or revocation of licenses. Other indicators are also monitored.
- Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than last year.
- The state monitors that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients' money.
Pension deposit interest
Everyone is glad to pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a replenishment function, which is a kind of analogue of a savings account, but with a much higher interest rate... Pensioners are encouraged to use different types deposits with a minimum initial amount.
Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishment deposit for 3 years, 3.5% per annum, "Save" - a non-replenishment, the rate of 5.6% (when opening an online account - up to 6.13%), "Top up" - 5.12% ( online - 5.63%). There is "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension" - 7.75%.
Interest on ruble deposits
The main share bank deposits make up ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:
- Sberbank is positioned as reliable and does not offer annual interest rates of more than 8.1, but the minimum amount starts from 1000 rubles.
- VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
- Alfa Bank also holds the bar in the region of 9-10% on three-year accounts.
Foreign currency deposit rates
Although the euro is considered a more reliable currency, the situation with foreign exchange investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks fluctuate from 1.5 to 3.5% per annum, and again, the promoted players are in no hurry to make high interest rates on multicurrency accounts. If you want to earn extra money - take advantage of offers from small regional financial institutions, but along with the growth of interest, the risk that their license will be revoked also increases.
Interest rates on deposits in Moscow banks
The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a rating of TOP-10 lucrative offers is drawn up. They take into account the rating credit agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.
Most best programs for Moscow banks:
- “With the maximum rate” - 8%, Uralsib;
- Vlad to the Future - 10%, BinBank;
- Partner - 8%, Nevsky Bank;
- "Maximum income" - up to 8.4% from Sovcombank;
- "All inclusive Maximum income" - 8.5% from the institution Moscow Credit Bank;
- « Financial protection», In euros, 3.5% - Promsvyazbank;
- For Life, in euros, 3% - UniCredit Bank;
- “Tradition of Success”, in euros, 2.5% - Promsvyazbank.
High deposit rates
Interest rates on bank deposits today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:
- the intensity of issuing loans, which constitute the main profit of institutions;
- high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
- deposits from compound interest initially offer a lower profit than with a simple bet.
Major players in financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of revocation of the license or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.
Interest rates of reliable banks
Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, taking into account:
- analysis of the work of a credit institution by the Central Bank, taking into account the value of its equity capital;
- customer reviews of the institution's work;
- verification of organizations by special agencies.
An approximate list of deposits with good interest from recognized reliable banks this year looks like this:
- Magnus - 8% per annum from J&T Bank;
- "Solid interest" - 8% from 3 months. Promsvyazbank;
- "PRIME" - 8.13% - 3 months-a year from UniCreditBank;
- "150 years of reliability" - 8.2% for 3 months. from Rosbank;
- "Perspective" - up to 8.1% with terms from six months to 3 years from Gazprombank.
Banks of Russia - interest rates on deposits
As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-refillable deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may turn out to be interesting:
- "Solid" - 10.5% for 550 days from GazTransBank;
- “Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
- “Fidelity to the traditions of Premium” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
- "By Europlan" - 10% per year from BinBank Capital;
- "Safe" - 10% per year from the bank "Interaction".
Interest rates on deposits in Sberbank for today
Average rates rarely exceed 8%, which is offset by reliability, widespread distribution in the Russian Federation and quality of service.
- "Memory of generations" - minimum deposit is 10,000 rubles. the size of the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to War Veterans.
- "Save Online" - can be done in any currency. A small minimum amount - only 1000 rubles. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.
More popular offers:
- "Drive!" - rechargeable, it is possible to issue it online. The percentages range from 3 to 5.85.
- "Give Life" - part of the income is donated to the Foundation of the same name. Term - 1 year, rate - 5.3%, no replenishment.
- "Savings" - an ordinary account with minimum percentage 2.3 per annum. There are deposits and early withdrawals.
- "Savings Certificate" is a lucrative offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.
VTB Bank 24
This bank has a share of government money, so its reliability is fully justified. The interest on the deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:
- "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
- "Accumulative" - from 200,000 rubles. for 3 months and more, interest - up to 6.95, there is income capitalization;
- "Comfortable" - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount - from 200,000 rubles, there is a possibility of partial withdrawal.
Russian Agricultural Bank
Rosselkhozbank positions itself as “ National Bank»With advantageous offers for all segments of the population. Interest on deposits individuals Rosselkhozbank ranges from 6 to 9%, depending on the duration and size:
- "Investment" - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, a year);
- "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is RUB 15,000,000;
- "Classic" - profit 7.95% per annum, interest payment - at your choice, the minimum amount - 3000 rubles.
Deposit in Alfa-Bank
The interest rate of the deposit in Alfa-Bank is comparable to competitors, but the popularity financial institution great. Now clients are offered:
- "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
- "Pobeda +" - a six-month deposit, up to 7.3% and a deposit amount of 50,000 rubles or more;
- “Potential +” - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
- "Premier +" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).
Post bank
Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of "Leto-Bank" were closed, and clients were surprised to find that they were serviced at "Pochta-Bank". An aggressive advertising campaign with the involvement of famous actors is doing its job, the bank constantly calls on to use its services to invest the accumulated funds.
It is proposed to choose the following rates for deposits in the Post Bank, and all deposits are subject to insurance:
- "Seasonal" - for a year with an amount of placement from 50,000 rubles. The rate is 8.25% with payment of profits at the end of the term, pensioners receive 8.5% per annum.
- "Capital" - for six months or a year up to 8.25% plus a card as a gift.
- "Accumulative" - a replenishment deposit of up to 7.5% and a minimum amount of 5,000 rubles. possible early closing and capitalization of interest once a quarter.
- "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.
Rating of banks by interest rate on deposits
The best deposit interest rates this year guarantee small credit institutions who need to attract the maximum number of new customers. It is worth noting that today the leaders among credit organizations do not offer high interest rates on deposits in banks, but it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating on the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.
Specify the features of the proposals in the table:
Name of the bank |
Interest |
Terms of deposit |
||
BaltinvestBank |
No top-up, interest payment at the end, no early withdrawal. |
|||
Russian standard |
Maximum percentage |
Profit payment at the end, without replenishment and early withdrawal. |
||
MosOblBank |
Personal |
Monthly payment profit, replenishment, no withdrawal. |
||
Fixed income |
Top-up (if agreed in advance, with a preferential commission on early withdrawal), payment of profit every month. |
|||
Maximum percentage |
Payment at the end of the year, replenishment is available, withdrawal of money before the end of the term is not possible. |
Video: Interest rates on deposits in 2019
Found a mistake in the text? Select it, press Ctrl + Enter and we'll fix it!
Discuss
28May
Money is not only a tool for making settlements. They should not only be preserved, but preferably also. One of effective ways to increase the amount of savings are deposits. Many banking organizations offer them to open, of course, on different terms. How to choose deposits that are profitable for yourself, we will discuss today.
Contribution: concept and essence
A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement for placing money in rubles or another currency in a bank account.
Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.
TOP-20 banks where you can open a deposit
We will analyze the conditions for opening deposits according to several criteria.
We also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can be changed, supplemented, this is the prerogative of banks.
Tinkoff Bank
- Minimum contribution- 50,000 rubles;
- Minimum placement period- 3 months;
- Maximum placement period- 24 months;
- Minimum% rate – 5,5%
- Maximum% rate – 8,8%;
- Accrual%- to a deposit or, at the request of the client, to a card;
- Replenishment- regardless of time, via the Internet;
- Removal in parts- regardless of the time, as it is convenient for you.
Summary: ease of opening, the ability to withdraw and replenish the account at any time, quite a lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.
- Minimum contribution- 1 ruble (depends on the type of deposit being opened);
- Minimum placement period- 30 days ("Save" deposit);
- Maximum placement period- 36 months;
- Minimum% rate – 3%;
- Maximum% rate – 7%;
- Accrual of% - occurs depending on the type of deposit;
- Replenishment - Maybe;
- Removal in parts- allowed.
Summary: the bank is undoubtedly reliable, stable, supported by the state. Participates in the deposit insurance system, you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.
VTB 24
- Minimum contribution- 200,000 rubles;
- Minimum placement period- 90 days;
- Maximum placement period- 60 months;
- Minimum% rate – 4,10%;
- Maximum% rate – 7,4%;
- Accrual% - every month;
- Replenishment - Maybe;
- Removal in parts- possible (deposit "Comfortable").
Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be counted among the negative aspects. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.
- Minimum contribution- 10 rubles (deposit "On demand");
- Minimum placement period- depends on the type of deposit;
- Maximum placement period- depends on the type of deposit;
- Minimum% rate – 0,01%
- Maximum% rate- 8.75% ("Investment" deposit);
- Accrual% - every month;
- Replenishment - yes, for deposits "Managed", "Cumulative", "Pension income"
- Removal in parts- yes, for deposits "On Demand" and "Managed".
Summary: sum down payment available to everyone, there are no restrictions on the terms of the deposit.
- Minimum contribution- 1000 rubles;
- Minimum placement period- 3 months;
- Maximum placement period- 2 years;
- Minimum% rate – 7,25%
- Maximum% rate – 9,0%
- Accrual% - at your choice (every month or capitalization);
- Replenishment - Maybe;
- Removal in parts- not for all types of deposits.
Summary: not all deposits are available for replenishment, cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.
- Minimum contribution- 100 rubles (for the "Pension" deposit);
- Minimum placement period- 90 days;
- Maximum placement period–1095 days;
- Minimum% rate - 0.01% (on demand deposit)
- Maximum% rate- 7.8% (on the "Vacation" deposit);
- Accrual% - at the end of the term;
- Replenishment - Yes;
- Removal in parts - only on the "Dynamic" deposit.
Summary: the bank is a member of the deposit insurance system, there is the possibility of personal consultation.
- Minimum contribution – 10,000 rubles;
- Minimum placement period – 3 months;
- 2 years;
- Minimum% rate – 6,5%;
- Maximum% rate – 7,35%;
- Accrual% – daily, monthly;
- Replenishment - yes, it is possible;
- Removal in parts – yes, it is possible.
Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, relatively small minimum contribution.
Bank opening
- Minimum contribution – 50,000 rubles;
- Minimum placement period – 3 months;
- Maximum placement period – 2 years;
- Minimum% rate – depends on the type of deposit;
- Maximum% rate – 8%;
- Accrual% – Once a month (capitalization is available);
- Replenishment - Maybe;
- Removal in parts - possibly on the "Free Governance" deposit.
Summary: there is an opportunity to replenish the amount of the deposit, online opening is available.
Alfa Bank
- Minimum contribution – 10,000 rubles;
- Minimum placement period – 3 months;
- Maximum placement period - more than 3 years;
- Minimum% rate – 4,5%;
- Maximum% rate – 7.2% on the "Pobeda +" deposit;
- Accrual% – every month;
- Replenishment - Yes;
- Removal in parts - Yes.
Summary: there is the possibility of receiving serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.
- Minimum contribution – 30,000 rubles;
- Minimum placement period – 1 month;
- Maximum placement period – 36 months;
- Minimum% rate – 5%;
- Maximum% rate – 8,5%;
- Accrual% – every month;
- Replenishment - yes, on the "Always at hand" deposit;
- Removal in parts – Maybe.
Summary: there is an opportunity to make a minimum contribution in several payments, there is a possibility of monthly replenishment.
- Minimum contribution- 10,000 rubles;
- Minimum placement period – 1 month;
- Maximum placement period – 24 months;
- Minimum% rate – 6,0%;
- Maximum% rate – 9%;
- Accrual% – at the end of the contract;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: for opening a deposit via the Internet, 0.25% is added. There is an opportunity to withdraw money and not lose interest.
UBRD
- Minimum contribution – 1000 rubles;
- Minimum placement period – 6 months;
- Maximum placement period – 4 years;
- Minimum% rate – 5% (on deposits in gold and silver);
- Maximum% rate – 9%;
- Accrual% – every month;
- Replenishment - Yes;
- Removal in parts – available.
Summary: a small amount of the first installment, the choice of deposits is wide.
- Minimum contribution – 1000 rubles;
- Minimum placement period – 90 days;
- Maximum placement period – 36 months;
- Minimum% rate – 7,4%;
- Maximum% rate – 8,3%;
- Accrual% - 1 time per month;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: the bank increases the rate on deposits for persons who opened it via the Internet and ATMs (+ 0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.
- Minimum contribution – 10,000 rubles;
- Minimum placement period – 366 days;
- Maximum placement period – 366 days;
- Minimum% rate – 6,3%;
- Maximum% rate – 8,10%;
- Accrual% – every month;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive% every month.
- Minimum contribution – 1000 rubles;
- Minimum placement period – 6 months;
- Maximum placement period – 36 months;
- Minimum% rate - 7,0%;
- Maximum% rate – 8.22% (if you deposit 3 million rubles);
- Accrual% – Once a month or at the end of the term;
- Replenishment - Yes;
- Removal in parts – no.
Summary: opening in rubles and in foreign currency is available, you cannot partially withdraw money, but at the same time you can replenish the entire line.
- Minimum contribution – 5000 rubles;
- Minimum placement period – 6 months;
- Maximum placement period – 1 year;
- Minimum% rate – 7,5%;
- Maximum% rate – 8.25% (Capital);
- Accrual% – every month, every quarter;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.
- Minimum contribution – 5000 rubles;
- Minimum placement period – 1 month;
- Maximum placement period – 24 months;
- Minimum% rate – 6,5%;
- Maximum% rate – 8,6%;
- Accrual% – everyday (if the deposit "On demand" is open);
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: can be replenished open deposits and withdraw some of the funds.
Bank "Ugra
- Minimum contribution – 100 rubles;
- Minimum placement period – 61 days (for the "Special Client" deposit)
- Maximum placement period – 36 months;
- Minimum% rate – 6%;
- Maximum% rate – 10%;
- Accrual% – 1 time per month;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: deposits can be replenished and withdrawn money in parts, initially you can make a small amount.
Uralsib Bank
- Minimum contribution – 1000 rubles;
- Minimum placement period – 90 days;
- Maximum placement period – 36 months;
- Minimum% rate – 6,1%;
- Maximum% rate – 9,0%;
- Accrual% – every month;
- Replenishment - Yes;
- Removal in parts – Yes.
Summary: banking institution offers a wide range of deposits, there is plenty to choose from.
- Minimum contribution – 30,000 rubles;
- Minimum placement period – 91 days;
- Maximum placement period – 720 days;
- Minimum% rate – 6,5;
- Maximum% rate – 8,5%;
- Accrual% – every quarter, at the end of the term;
- Replenishment - acceptable;
- Removal in parts – Yes.
Summary: the bank offers a fairly wide choice, when you open it in the Internet bank, the percentage is slightly higher.
Comparison table for all banks
Banking institution | Maximum on deposit | Opening contribution | Withdrawal / deposit options |
10% | 100 rubles | Yes Yes | |
9% | 1000 rubles | Yes Yes | |
UBRD | 9% | 1000 rubles | Yes Yes |
9% | 1000 rubles | not for all deposits | |
Promsvyaz bank | 9% | 10,000 rubles | Yes Yes |
Tinkoff Bank | 8,8% | 50,000 rubles | Yes Yes |
8,7% | 10 rubles | Yes Yes | |
8,6% | 5000 rubles | Yes Yes | |
Russian Standard / Sovcombank | 8,5% | 30 000 / 30 000 | Yes Yes |
8,3% | 1000 rubles | Yes Yes | |
8,25% | 5000 rubles | Yes Yes | |
Home Credit Bank | 8,22% | 1000 rubles | no Yes |
8,1% | 1000 rubles | Yes Yes | |
Bank opening | 8% | 50,000 rubles | Yes Yes |
7,8% | 100 rubles | Yes Yes | |
VTB 24 | 7,4% | 200,000 rubles | Yes Yes |
7,3% | 10,000 rubles | Yes Yes | |
Alfa Bank | 7,2% | 10,000 rubles | Yes Yes |
7,0% | 1 ruble | Yes Yes |
In the next part of our conversation, we will consider how to properly compare the contributions.
How to compare different contributions
It is clear that the most important indicator for comparison, most people consider the interest rate. But no less important are the indicators that we have already examined in the table above: the ability to withdraw money and replenish the account.
The level of income that you receive on the deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income, if in rubles – more. Interest rates on foreign currency deposits are always lower than on ruble deposits.
Separately, we note that at present, it is becoming increasingly popular to open deposits without visiting a bank office, online or through an ATM. Some banks offer a slightly higher percentage than the standard for such an opening. We have already written about this in the article.
If you read the recommendations of various experts, they note that you should not give priority to such an indicator as the interest rate when choosing a deposit. It so happens that their high level hides in itself a great risk or does not at all profitable terms... The rate indicated in the advertisement – in fact below.
There is one more criterion for comparison: the size of the minimum and maximum amount contribution. It cannot be said that he plays big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions... Speaking simple language, this means that if you withdraw funds in part, this amount must remain on the account.
You cannot withdraw more than this amount, you will lose everything that was credited. This is especially important for depositors who have small amounts funds, invest them in order to withdraw the maximum at any time.
Purposes of placing deposits
It would seem that there is nothing complicated: you open a deposit in order not to lose money, save it, and also increase its amount. But there are a number of other goals as well. Let's talk about them.
1. Make money.
Do not be surprised, it is quite possible. Banking organizations often carry out actions of a different nature. If the circumstances go well, you can get additional income.
2. Get benefits.
Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, there will be preferential conditions for mortgage lending... Imagine, there are not so few people willing.
3. Protect your money from inflation.
If you have set yourself such a goal, then you can choose almost any type of contribution - they will all help with this. Keeping money at home in a box is not the best the best option, sooner or later inflation will eat them up, and no one is immune from thieves.
4. Save up for a large purchase.
We all know that there are people who don’t have money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not.
In this case, it comes to the rescue. Bank deposit... Moreover, it is better such that it was impossible to withdraw money ahead of schedule. Then it will work out.
Now let's talk in more detail about what deposits are generally available and how they are classified.
What are the deposits
To attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more. We will now consider the most popular types of deposits for us - ordinary people.
All deposits can be roughly divided into 2 categories: urgent and poste restante. Urgent deposits are opened for a specific time, demand deposits do not have a specific term.
Savings.
It should be noted that the most high rates specifically for this group. In addition, it is not always allowed for such deposits to withdraw money, as well as deposit funds into the account.
Estimated.
Thanks to the presence of such a contribution, you can control your finances, manage your savings. Such a contribution is also called universal.
Accumulative.
Provided for such customers who plan to replenish it during the entire term of the deposit. They are most often used by people who save up for expensive purchases.
Special.
These are deposits that are offered to certain groups of clients. This includes deposits for students, retirees, and so on.
By seasons.
Timed to coincide with a certain season. They often have quite high rates, but there is no possibility of prolongation.
Mortgage.
Designed for those who want to save up on their own for a down payment on a mortgage. They can be replenished, but they cannot be renewed automatically.
Part of the funds or the entire amount immediately after the end of the contract will be used to pay the mortgage payment. Now in the Russian Federation, such a deposit is not found in all banking institutions.
Indexed.
This contribution is classified as urgent and is tied to the change in the value of an asset. The asset can be the dollar rate, securities, precious metals and more.
Multicurrency.
The meaning of such a deposit is that funds are stored in different currencies: most often they are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.
The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, no commission is charged for it, but the rates here are lower than on other types of deposits.
Baby.
They are opened in the name of a child who is not yet 16 years old. The contribution is targeted.
Numbered.
A person deposits funds on it only in cash. When opening such a deposit, the client can count on the complete anonymity of his account.
How to choose a bank to place a deposit
The choice of a banking organization, which you can entrust money and not be afraid of losing it, will take a decent amount of time.
To make this task a little easier, here are some guidelines:
- Don't neglect other people's reviews. Check them out, it certainly won't be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
- Study the information in the media for publications about the bank in a negative way.
- When visiting a bank, clarify how interest rates work on deposits: if they are too high, this is a reason to be wary;
- You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language, you do not need to be an expert in the field of economics to understand the topic;
- Find out if the bank has branches and branches;
- An important criterion for choosing is the bank's participation in the state deposit insurance system. This information is freely available on the Internet, it will not be difficult to find it.
- On the official website of the Central Bank of the Russian Federation, you can view information related to the reporting of banking organizations. Here the only drawback is that it is difficult for an ordinary person to understand it; the help of a specialist is required.
- An important indicator is the amount.
- You can ask about the bank's ratings, they are published by special agencies. Of course, it is difficult to keep track of them, but it is quite possible to use it as additional information.
- An indirect sign that the bank is not doing well is frequent failures in various operations.
The mistakes we make when choosing a bank
Not always a potential depositor can adequately assess the reliability of the chosen banking organization.
Mistakes, by the way, are the most commonplace ones:
- Choosing the highest deposit rate... This is dictated by the desire to increase the amount of their funds. If this is all your goal, you better take advantage of the other financial instrument... Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
- Excessive trust in bank specialists... Even if the employee speaks convincingly and beautifully, his words should be supported by something. Stable and reliable institutions provide clients with all the information in the public domain.
- Opening a deposit in a servicing banking organization... Often, depositors entrust their funds to the bank in which they receive salaries or other types of permanent payments. It is convenient, but you do not need to carry all the money to one institution, it is better to distribute it among several.
- Following unverified guidelines... The experiences of your friends and family are important, but you don't need to blindly follow them. They are most often based on the opinion of a particular person, and not on the actual state of affairs.
Summing up a small summary, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.
State deposit insurance
Thanks to the introduction of this system, a person can get his money back, even if the bank is recognized or his license has been revoked.
In 2017, deposits up to RUB 1,400,000 were insured. If you have open deposits in several banks and all these credit organizations have gone bankrupt, you will receive 1,400,000 from each.
This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate that is valid on the date of revocation of the license from the bank. The recalculation is carried out in rubles.
Reasons for refusal to open a deposit
The banking organization, without stating the reason, may refuse the client to open a deposit.
This does not happen often, and the reasons may be of the following nature:
- Client under 14 years old;
- The client does not have the opportunity to present a passport or other document that will prove his identity;
- A citizen of another state who cannot confirm his right to stay on the territory of the Russian Federation wants to open a deposit.
In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for their safety. We propose to analyze the lines of deposits that these institutions offer, and then draw a conclusion in which bank it is better to open a deposit.
Personal income tax and deposits of individuals
Most of the deposit programs do not require payment. The tax will be charged only if the level of income exceeds that established by law. But this year, banking organizations have lowered deposit rates due to the fact that insurance rates... This means that there is no need to expect a high level of profitability.
You may ask: do you need to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course make the payment. But if you have not been notified about this for 3 years, you can not pay.
Deposit interest: how to calculate
To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of the banking organization. Before entrusting your hard-earned money to the bank, try calculating the interest yourself. You may find it difficult, but we will try to explain in the simplest possible way how to do it.
First of all, you should not completely trust the calculation of the deposit calculator.
They will not show a real result, because:
- Their functionality is scarce, the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
- Calculate everything before you decide on the bank and type of deposit. This is necessary for evaluating and comparing different offers.
- If you have any questions, please contact the bank's consultants, they will clarify all the necessary points.
Now let's move on directly to terminology and calculations.
Interest on deposits is calculated in two ways: by the formulas of compound or simple interest. The key parameter in both cases is the interest rate on the deposit.
The concept of% on a deposit is understood as the amount that the bank pays to its client for the use of his money.
The amount of the rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.
If we are talking about easy way accrual%, then they are not added to the amount of the deposit, but transferred to the depositor's open account.
In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has increased, which means that the total profitability is also growing.
Formulas
We calculate interest in the case of simple accrual:
S = (P x I x t / K) / 100, where:
- S - accrued%;
- P is the amount you deposit;
- I - the rate on the deposit for the year;
- t - number of days for which% will be counted;
- K - number of days per year (don't forget about leap days).
Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The accrual of% is simple. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 365/365) / 100 = 19,000 rubles.
If a complex interest calculation is implied, the calculation will look like this:
S = (P x I x j / K) / 100, where:
- S - accrued%;
- P is the amount you deposited;
- I -% on the deposit for the year;
- j is the number of days in the billing period;
- K is the number of days in a year.
Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 180/365) / 100 = 9369 rubles. (for 6 months).
Currency contribution: nuances
With the prevailing economic conditions depositors prefer to keep part of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the amount of the deposit will be paid to you in rubles.
In addition, there is one more subtlety: ASV begins insurance payments 14 days after the license was revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.
What are the risks of depositors
This is an important question that cannot be left unanswered. After all, everyone knows very well that any coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss the possible risks.
The most common are the following:
- The banking organization was declared bankrupt;
- Personal income tax payment;
- Increase in rates for long-term deposits;
- Liquidity risk;
- Reinvestment risks.
Now a little more detail.
The bank was declared bankrupt.
To somewhat reduce the possibility of such a situation, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return the money to you.
Personal income tax payment.
This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.
Increase in rates for deposits opened for a long time.
If you open a deposit at 9% per annum, for a period of 36 months, and after a year the rate has become 12%, you will lose 3% of your income.
Liquidity.
This risk arises if you terminate the contract early urgent deposit... It is better to open a deposit where funds can be partially withdrawn.
Reinvestment risk.
Let's say you opened a deposit for 6 months, at a rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can get only 8% per annum.
To minimize risks, choose a bank carefully.
Fraudulent transactions related to deposits
IN recent times revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people have applied to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.
What is the essence of such a fraud? It turned out that banking organizations were stealing funds from the accounts of their depositors. Double-entry bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that the deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.
After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts, there was nothing to reimburse.
How to protect yourself from such manipulations? Unfortunately, this is 100% impossible to do. But we recommend that you be sure to keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not expect the situation to normalize itself.
Follow this algorithm:
- Contact banking organization with a statement about insurance indemnity by attaching the documents that you have in your hands;
- The application from the bank is forwarded to the Insurance Agency;
- The agency registers it and reviews it;
- If the decision is positive, amendments will be made to the register of payments;
- As a result, you will receive your money in full.
Of course, this procedure will make you waste not only time, but also nerves. Although, most likely, the outcome will be positive.
You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.
Conclusion
So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also get income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.
When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with the highest deposit rates, depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 were used credit institutions countries to exclude proposals from companies that may be in an unstable financial position.
Standard deposits
Standard deposits mean deposits for a certain period that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates for such deposits are the highest. Top ten leaders with the best offers looks like that:
Deposits with additional opportunities
Even the most high percent on deposits in banks with additional options are usually lower than those of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.
Replenishing deposits
TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:
- RosEuro Bank - 8.5%. The banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. Monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
- Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
- TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum opening limit is 10 thousand rubles. Interest is paid every 400 days.
- Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
- The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
- Globex - 8.25%. The "Optimal" product guarantees the multiplication of funds in the indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional one must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
- AK Bars - 8.25%. A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
- BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. The capitalization of interest is in effect, as well as the possibility of replenishing the deposit for any amount.
- Moscow Regional Bank - 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Replenishment of the account is possible in the first 183 days.
- Credit Bank of Moscow - 7.75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.
Partial withdrawal deposits
The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:
- Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
- Novikobank - 8.5%. Novikobank offers a program with fixed periods of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than RUB 1.4 million. Interest is paid every 184 days.
- National Bank Trust - 8.25%. At the "All Inclusive" tariff, you can not only replenish your account, but also partially withdraw money, provided that minimum balance(similar to the initial minimum) - 30 thousand rubles. The deadlines are fixed - 91, 181 and 367 days.
- AK Bars - 8.25%. The bank has quite strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
- Globex - 8.15%. The Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that minimum amount, individually indicated in the deposit agreement.
- Orient Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the initial payment is from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
- Absolut Bank - 8%. Absolut Bank offers a special program for people of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum amount of the deposit is maintained.
- Ugra - 7.89%. Banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second - 5.5% per annum. Interest can be withdrawn at the end of each period.
- Promsvyazbank - 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, keeping the set initial limit. Automatic extension of the contract is possible.
- Credit Moscow Bank - 7.25%. The "Settlement" tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. Top-ups can be up to 20 thousand rubles. With partial withdrawal Money the initial amount must remain on the account.
Opening a deposit
When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online application submission.
Often, for online opening of a deposit account, a client can even receive a premium to the stated rate.
Of the documents, only a passport is required. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.
- Yuzhakov O.Yu. Bank management in the context of the economic crisis: international experience. A systemic banking crisis has begun in russia A systemic crisis occurs when bad assets reach
- How does the closed rotational village of Sabetta live in the far north of Sabetta who builds
- How to spend Zapsibcombank bonuses?
- The wives of the richest Russian businessmen and officials (29 photos)