The largest deposits. Top banks in terms of deposits in Russia
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 of the 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 in the last 2016.
- The state makes sure 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 happy with 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 bulk of bank deposits are 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 keeps 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 range from 1.5 to 3.5% per annum, and, again, 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 the results are used to compile a rating of TOP-10 lucrative offers. 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.
The 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 rates on deposits
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 looks like this this year:
- 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 Premium Traditions” - 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 seldom exceed 8%, which is compensated by reliability, wide 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 a minimum interest of 2.3 per annum. There are replenishments and early withdrawal.
- "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 customers were surprised to find that they were being served in "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 interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It should be noted that high interest rates on deposits in banks today are leaders among credit institutions do not offer, but decide which option is more important - profit or reliability - only to the client. Almost all banks operating on the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now maximum amount to be returned is 1 million 400 thousand rubles.
Specify the features of the proposals in the table:
Bank's name |
Interest |
Terms of deposit |
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BaltinvestBank |
No top-up, interest payment at the end, no early withdrawal. |
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Russian standard |
Maximum percentage |
Profit payment at the end, without replenishment and early withdrawal. |
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MosOblBank |
Personal |
Monthly profit payment, replenishment, no withdrawal. |
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Fixed income |
Rechargeable (if agreed in advance, with a preferential early withdrawal commission), profit payment 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
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Discuss
V largest city Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial credit institutions... The investment options offered to them are simply a huge amount. If you look for high-interest deposits in banks in Moscow today, the first 20 banks are not necessarily the largest institutions. They just give a slightly below average profitability, since they have sufficient capital for investment. Smaller organizations, on the other hand, are actively engaging customers by offering interesting offers and various investment options.
Which bank should you prefer
Naturally, you shouldn't go to the first bank that comes across offering a sufficient percentage. It should be analyzed by at least several parameters:
- founders and partners - it may well turn out that people who are hardly worth trusting are at the helm;
- the financial condition of the bank - it can be traced by the reports published on the website of the Central Bank, special attention should be paid to the ratio of assets and liabilities, the profit received for the reporting period and the size authorized capital(the bigger, the better);
- position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
- availability of insurance - if the deposits are insured with the DIA, then if the bank's license is revoked, the clients' funds are not in danger.
You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you draw up the right investment strategy:
- term of the deposit;
- is early withdrawal possible and on what conditions;
- procedure for payment of interest;
- the presence or absence of capitalization;
- the possibility of replenishment;
- Does the interest increase with the increase in the amount of savings, etc.
The highest rates on deposits in Moscow banks for today: the first 20
Among the many banks in the capital, the 100 largest were selected, out of the deposits they offer, the 20 most profitable were selected. Other selection criteria:
- currency - ruble;
- the minimum amount is 100,000;
- term - at least 1 year.
These parameters helped to choose the most high stakes on deposits in Moscow banks for today, which are listed in the table (if one bank offers two or more deposits, the most profitable was included in the rating).
Bank's name | Contribution name | Bid | Minimum amount | Procedure for calculating interest | Replenishment | Withdrawal |
---|---|---|---|---|---|---|
Tavrichesky | Festive | 12.3 | 50000 | Monthly, capitalization | Yes | No |
Novikombank | Favorite | 12.25 | 10000 | At the end of the term | No | No |
International Bank of St. Petersburg | Capital | 12.2 | 50000 | At the end of the term | No | No |
Promsvyazbank | Premium | 12 | 3 | At the end of the term | Yes | Yes |
Vanguard | Passbook | 12 | 100000 | At the end of the term | No | No |
BFG-Credit | Loyal | 11.75 | 100000 | At the end of the term | Yes | No |
BFA Bank | Contribution No. 1 | 11.25 | 30000 | Monthly, capitalization / withdrawal to the account | No | No |
Peresvet | Rational | 11.2 | 30000 | At the end of the term | Yes | Yes |
Transcapitalbank | Growth time. Spring | 11.16 | 20000 | Quarterly | No | No |
Globex | Accurate calculation online | 11.15 | 100000 | At the end of the term | No | No |
Trust | Our people | 11.1 | 30000 | At the end of the term | No | No |
Investtorgbank | Fabulous percentage | 11.07 | 50000 | Quarterly | No | No |
Credit Bank of Moscow | All inclusive Online | 11 | 1000 | At the end of the term | No | No |
Credit Europe Bank | Urgent | 11 | 3000 | At the end of the term | No | No |
MetallinvetBank | Maximum income | 11 | 10000 | At the end of the term | No | No |
Uniastrum Bank | Large percentage | 11 | 20 000 | At the end of the term | No | Yes, within the minimum |
Finprombank | My conditions | 11 | 30000 | Monthly, capitalization | Yes | No |
Military Industrial Bank | Spring Story | 11 (growing) | 50000 | At the end of the term | Yes | No |
Center-Invest | Grow big | 11 | 50000 | Annual capitalization | Yes | No |
Education | Base | 11 | 100000 | At the end of the term | No | No |
TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate
In connection with the depreciation of the ruble, many clients have aroused interest in foreign currency deposits. At the same time, Russians invest not only in buying dollars and euros., but also acquire exotic currencies - pounds, francs, yens, Australian dollars, in recent times the yuan and the "Canadian" are gaining popularity. However, the most popular is still the US dollar.
- currency - dollar;
- amount - from 1,000;
- term - at least 1 year;
- bank - one of the 200 largest.
It should be noted that some deposits in foreign currency in Moscow banks at the maximum interest rate in the TOP-50 are included in the multicurrency deposit, which will be marked accordingly, if it is not clear from the name of the deposit. It will not work for such deposits to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.
Bank's name | Contribution name | Bid | Minimum amount | Procedure for calculating interest | Replenishment | Withdrawal |
---|---|---|---|---|---|---|
Tavrichesky | Urgent | 3.8 | 1000 | Monthly, capitalization | Yes | No |
Globex | Accurate calculation online | 3.35 | 200 | At the end of the term | No | No |
B&N Bank | Standard | 3.2 | 100 | Monthly | No | No |
Ugra | 25 years of reliability | 3.1 | 500 | Monthly | Yes | Yes |
Promsvyazbank | Premium | 3 | 3 | At the end of the term | Yes | Yes |
Globex | Rentier online (multi) | 3 | 300 | Monthly | Yes | Yes |
Novikombank | Favorite | 3 | 300 | At the end of the term | No | No |
BFA Bank | Contribution No. 1 | 3 | 500 | Monthly, capitalization | No | No |
B&N Bank | Maximum percentage | 2.9 | 300 | At the end of the term | No | No |
Trust | Our people | 2.9 | 500 | At the end of the term | No | No |
Trust | Generous interest | 2.9 | 500 | At the end of the term | No | No |
Tavrichesky | Multicurrency | 2.8 | 710 | At the end of the term | Yes | No |
Finprombank | My conditions | 2.8 | 1000 | Monthly, capitalization | Yes | No |
Ugra | Multicurrency basket | 2.8 | 1000 | At the end of the term | Yes | No |
Credit Europe Bank | Urgent | 2.75 | 100 | At the end of the term | No | No |
Loco-bank | Spring is positive (multi, dollar + euro) | 2.75 | 300 | At the end of the term | No | No |
Globex | Online bonus | 2.7 (growing) | 200 | At the end of the term | Yes | Yes |
MDM Bank | Maximum percentage | 2.7 (growing) | 300 | At the end of the term | No | No |
B&N Bank | Monthly income | 2.65 (growing) | 300 | Monthly, payment to the account | Yes | No |
Trust | Multicurrency 2016 | 2.65 | 500 | At the end of the term | Yes | No |
Ugra | Growing income | 2.63 | 1000 | At the end of the term | Yes | No |
SMP Bank | Maxima | 2.6 (growing) | 50 | Monthly, capitalization | Yes | No |
Investtorgbank | Optimal | 2.6 | 100 | At the end of the term | Yes | No |
Promsvyazbank | My gain | 2.6 (growing) | 300 | At the end of the term | No | No |
Military Industrial Bank | Spring Story | 2.6 (growing) | 1000 | At the end of the term | Yes | No |
Finprombank | Practical | 2.6 | 1000 | At the end of the term | Yes | Yes |
Peresvet | Knight | 2.6 | 1000 | Monthly | Yes | Yes |
All-Russian Regional Development Bank | Smart money | 2.5 | 1 | At the end of the term | Yes | No |
Raiffeisenbank | Triple benefit (multi) | 2.5 | 1 | At the end of the term, annual capitalization | No | No |
Home Credit Bank | Profitable year | 2.5 | 100 | Monthly, capitalization | Yes | No |
OTP Bank | Cumulative | 2.5 | 300 | At the end of the term | Yes | No |
Ural Bank for Reconstruction and Development | Cumulative | 2.5 | 300 | Daily | Yes | No |
BFA Bank | Accumulation strategy | 2.5 | 500 | Monthly | Yes | No |
Metallinvestbank | Maximum income | 2.5 | 1000 | At the end of the term | No | No |
Trust | Retirement income | 2.45 | 100 | At the end of the term | Yes | Yes |
St. Petersburg | Online deposit | 2.4 | 100 | At the end of the term | No | No |
Education | Base | 2.4 | 200 | At the end of the term | No | No |
B&N Bank | Multicurrency | 2.4 | 410 | At the end of the term | Yes | No |
Finservice Bank | Comfortable | 2.35 | 1 | Monthly, capitalization | Yes | No |
Credit Europe Bank | Cumulative | 2.35 | 100 | At the end of the term | Yes | Yes |
Rosselkhozbank | Classic online | 2.35 | 100 | At the end of the term | No | No |
MDM Bank | MDM - The Magnificent Seven | 2.35 | 1000 | At the end of the term, capitalization daily | Yes | Yes |
Military Industrial Bank | Comfortable | 2.3 (growing) | 100 | At the end of the term | Yes | Yes |
BFG-Credit | Classical | 2.3 | 300 | At the end of the term | Yes | No |
Absolut Bank | Absolute maximum + | 2.3 | 1000 | At the end of the term | No | No |
Orient Express Bank | Oriental | 2.25 | 500 | Monthly, capitalization | No | No |
Renaissance Credit | Renaissance Lucrative | 2.25 | 500 | At the end of the term | No | No |
Tinkoff Bank | Smart Contribution | 2.25 | 1000 | Monthly capitalization | Yes | Yes |
Moscow Industrial Bank | Classical | 2.25 | 1000 | At the end of the term | No | No |
Education | Maximalist | 2.2 | 100 | Monthly, capitalization | Yes | No |
A deposit or the so-called "deposit" is money that the client places with the bank to protect and increase his capital.
The higher interest rate bank deposit - the greater the potential income. In Moscow best interest for ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.
Bank deposits for individuals in Moscow differ in terms, currency and rate, there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment interest on the card and others).
Both small and larger reliable banks in Moscow in 2020 offer several additional opportunities for term deposits and deposits with maximum and not high interest rates for individuals:
- partial withdrawal and replenishment funds on the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
- capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is charged not only on the amount of the initial deposit, but also on the added interest;
- automatic renewal- automatic extension of the agreement if the depositor does not withdraw the deposit at the end of the validity period.
To arrange the most best contribution in rubles or foreign currency favorable rate in the bank of the city of Moscow, consider these three points.
Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable interest rate deposits in Moscow banks are currently offered in Russian rubles.
Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in the city of Moscow, even in times of crisis. Although bets on foreign currency deposits due to the instability of the exchange rate, they have significantly decreased, you can get income with an increase exchange rate to the ruble. So you can get best income from a deposit in 2020.
Most Russian banks offer foreign currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the Currency Rates section. However, proposals for contributions under good percentage there are not many in these currencies, since the demand for them is low.
How should a pensioner, student or middle-aged person choose a deposit? Pick up an offer with the best bet and the conditions will help you form "Deposit selection". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.
In 2020, today, among the deposits in banks in Moscow, the most profitable high percent in rubles at the deposit Deposit At the top (with the NSJ) Gazprombank in the bank Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest payment at the end of the deposit term. According to our data, this is the best bank deposit Moscow with the maximum rate in rubles.
Wanting to receive a stable, albeit small income, citizens who have certain savings are increasingly trying to open a contribution to various banks... For most depositors, the most important indicator when choosing a savings program is the interest rate. However, there are several more significant nuances that you should pay attention to when choosing a deposit product. What to look for, and in which bank high interest rates on deposits, we will tell you in our article.
It so happened that the majority of depositors, when choosing a deposit program, pay main attention to the interest rate. And this is the biggest mistake. But what about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their depositors without the promised income and without their own savings either.
It is for this reason that the first thing a client should pay attention to is the reliability of the bank. Reliability is verified by the stability of the financial institution, guaranteed payments on deposit operations, as well as market leadership banking services... As a rule, it is large banks, who have been coping with all crisis situations for many years, are rightfully becoming the most demanded among the population.
Of course, security comes at a price. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the likelihood of receiving the planned income increases significantly.
Important! An additional guarantee is governmental support those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even if the bank goes bankrupt. Therefore, first of all, when choosing a bank to register a deposit, you need to pay attention to whether the bank has a state deposit insurance license.
Additional criteria
We figured out the reliability, now let's decide what else should be considered when choosing a deposit.
- Interest... For some, this indicator will come first, but it is still better to consider it after choosing the most reliable bank. So, among the leaders of the financial services market, there are not so few banks that are ready to offer their depositors a fairly profitable deposit. A good indicator of interest today fluctuates in the range of 8-8.3%. Of course, you can find interest and better, but the conditions may be too strict for those wishing to invest.
- Possibility of early partial or full withdrawal of money... This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract period from six months to a year. These are the most profitable and not too long-term programs, because there are always risks of a recession in the economy and an unexpected bankruptcy of the bank. However, there are times when there is no opportunity to wait for the end of the deposit term, and the money is needed right now, then you need to clarify whether you will be able to withdraw your hard-earned money on demand:
Important! It is also worth paying attention to the amount of lost profits in the event of early closure of the deposit agreement. After all, some banks almost completely take the accumulated interest, even if the deposit has matured for almost the entire agreed period.
- Capitalization of the received profit... Another important indicator is the possibility of capitalizing the income received. That is, the agreement may provide for the automatic combination of the principal amount of the deposit with the interest due in time, and the accrual of the next interest, taking into account the increase in the size of the principal deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise accrual of interest. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
- Term of registration of a deposit... This factor is also significant, because often banks offer very decent interest rates only on short-term deposits. For deposits with a maturity of one year, the percentage becomes slightly lower.
- Mandatory input amount... Most depositors are confident that they can deposit any amount they have at interest. However, this is not the case. Of course, there are banks that are completely unimportant to the amount of your savings that you want to put at interest, but most establish threshold contribution. Moreover, the more this amount, the more percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to wrap the money it has. Accordingly, their profit depends on this.
Which banks have the highest interest rates?
So, as we have already decided, the most important factors when choosing a deposit program are bank reliability and interest rate. We will not compare the interest rates of banks with dubious reputations, which simply want to attract as many customers as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not collapse until the time comes to collect the accumulated interest? Do you run the risk of being left completely without money?
№ | Bank and program | Interest rate | Deposit term | Contribution size | Currency |
---|---|---|---|---|---|
1 | Opening "High Interest" | to 10% | 1 year | from 50 thousand | not provided |
- the shorter the period, the greater the percentage: 3 months. - 10%, 6 months - 8%, 9 months - 6%, 12 months - 5%; - the deposit cannot be replenished; - interest is paid upon completion of the contract; - after the expiration of the contract, if the deposit is not was issued, it is prolonged on the terms of the deposit "Main income". |
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2 | VTB 24 "Savings account" | up to 8.5% basic; up to 10% with VTB Multicard |
1 year | any amount | not provided |
- when opening the Multicard and connecting the function "Savings" can be received an increased percentage, provided settlements on the issued card; - the savings account can be replenished and withdrawn without loss of interest; - the more you spend on the card, the more the increase will be rates. |
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3 | NS Bank "Investment" | 9% | 6 months | from 100 thousand to 10 million rubles | not provided |
- interest can be received only at the end of the term contract; - the deposit is intended for clients who have issued an ILI policy or NSJ. |
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4 | Gazprombank "Savings and Protection" | 6,7-8,8% | 3.6, 12 months | from 50 thousand rubles | not provided |
- interest is paid at the end of the term; - the deposit cannot be prolonged; - the shorter the term of the deposit, the higher the percentage. |
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5 | SovcomBank "Maximum income" | 6,9-8,6% | from 1 month up to 3 years | from 30 thousand rubles | not provided |
- the maximum rate is set in case of regular using a Halva card with a monthly purchase amount of 5 thousand roubles.; - replenishment of the deposit is provided; - interest is charged only at the end of the term, including additional 0.5% for calculations on Halva. |
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6 | BinBank "Maximum interest" | from 7.05 to 8.3% | from 3 to 24 months | from 10 thousand to 30 million rubles | -dollar (from 300 at a rate of 0.55-1.65%); - euro (from 300 at a rate of 0.25-0.8%). |
- all interest can be received only at the end of the term; - the prolongation of the deposit is possible; - when opening a deposit in rubles, an additional increase in interest for pensioners (+ 0.15%) and increase rates of 0.3% when using the online application. |
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7 | Promsvyazbank "My income" | 8,1-8,3% | 3-12 months | from 100 thousand rubles | -dollar (from 1 thousand at a rate of 1.2-2.85%); - Euro (from 1 thousand at a rate of 0.5-1.2%). |
- there is a possibility of early termination of the contract with the prescribed preferential rate; - it is possible to prolong the contract automatically (not more than 3 times); - interest is paid at the end of the term. |
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8 | Russian Agricultural Bank "Investment" | 7,8-8,05% | 6, 12 months | from 50 thousand rubles | - dollar (from 1 thousand at a rate of 1.4 to 2.4%). |
- the deposit is opened for a period of 180 or 395 days; - the deposit can be opened together with the acquisition of the share; - interest is paid at the end of the term of the deposit operations; - there is no limit value for the size of the contribution; - in case of early termination of the agreement, interest paid at the rate specified in the agreement; - the contribution is not subject to prolongation. |
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9 | VTB "Maximum income" | 3,24-7,14% | from 3 months up to 3 years | from 1 thousand rubles | -dollar (from 100 at a rate of 0.4-1.74%); - Euro (from 100 at a rate of 0.01%). |
- the shorter the term, the greater the percentage; - it is impossible to replenish or withdraw money early; - interest will be calculated at the end of the term; - capitalization of interest is possible. |
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10 | Sberbank "Just 7%" | 7% | 5 months | from 100 thousand rubles | not provided |
- you can only open it yourself: through an ATM, online bank or in mobile application; - interest will be credited to the account upon expiration of the term; - prolongation is possible, but on the terms of connection of the deposit "Poste restante"; - through the bank's office, the rate is set at 6.5%. |
As you can see, those who want to invest their own money under high interest will have to seriously search for the most relevant offers. Of course, in addition to the proposed options, there are many more offers from various banks, and sometimes they can be more attractive. Particular attention should be paid to short-term promotions. For example, during the period new year holidays many banks had promotional offers with very attractive interest rates.
An important point! As a rule, most banks are ready to offer the maximum interest rate only for a short-term investment in a deposit account. However, you should not chase after small benefits, it may be better to choose a loan with a lower rate, but for more favorable terms placement and with lower commission costs.
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 credit institutions of the country were used in order 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. The top ten leaders with the best offers look like this:
Deposits with additional opportunities
Even the highest interest on deposits in banks with additional options is usually lower than that 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. The monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
- 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 ability to replenish 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 payment 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. There is a capitalization of interest, 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 rather strict requirements regarding minimum size deposit - 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. Sum down payment- 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 a 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 applications.
Often, for opening a deposit account online, a client can even receive a premium to the stated rate.
Of the documents, you only need a passport. 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.
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