It is profitable to invest money in a bank at interest. What is the best bank to invest in? Where can I invest a small amount of money
The development of modern technologies has significantly expanded the possibilities of additional earnings and increase of available funds. And if you have a certain amount of relatively free funds, then the question immediately arises: where is it more profitable to invest money at interest?
The Internet has long ceased to be just a source of information and entertainment. Today, there are a large number of ways to increase investments. But are they all so profitable and safe? Which of them give the highest income with the least set of risks? How complex and effective are these methods?
A preliminary analysis of the most popular ways that offer users where it is better to invest money at interest with great profit will help to answer these questions.
When choosing methods for this TOP, we were guided by such criteria as simplicity, accessibility, the ability to participate even with a small amount of money and prevalence on the Internet. And how realistic it is to increase your income using one of them, everyone can decide for themselves.
Buying Cryptocurrency
concept electronic money(cryptocurrency) appeared relatively recently. Bitcoins were the first cryptocurrency, and when they appeared, they cost almost nothing. However, after a couple of years, the rate began to grow rapidly. Such a short digression into history is not accidental. Even 7 years ago, you would not have spent even a few thousand dollars to purchase 10 thousand bitcoins, but today you can get more than 3 million dollars for them.
If we consider the purchase of cryptocurrency as a solution to the question of where to invest money for a short period (for a month, two or six months), then this method can hardly be called rational. But at the same time, it is a very promising way of long-term investment. Today there are several types of cryptocurrencies. Before deciding to buy one of them, it is recommended to analyze its course for a certain period.
Current Bitcoin exchange rate
1 bitcoin at the time of writing (July 2017), worth about $2,500
Register a cryptocurrency wallet now .
Investing in cryptocurrency mining equipment
If you are not ready to wait for a change in the cryptocurrency rate, you can start mining yourself. Consider two classic cryptocurrency mining schemes:
- Purchase of equipment.
- Capacity rental - cloud mining.
Purchase of equipment for mining (not relevant at the end of 2018)
The first method involves the purchase of mining equipment (ready-made farms, asic, components for assembling a farm). Connecting equipment to the electrical network and the Internet. Depending on the equipment used, the chosen currency and its current exchange rate, the payback period can start from four months. The cost of a finished farm or ASIC starts on average from 100,000 rubles.
The equipment generates a lot of heat, makes a lot of noise and requires constant monitoring (possible remotely), so you will need a stable Internet connection, an uninterrupted power supply and an area to accommodate the equipment.
Cloud Mining
If you are not ready to risk large sums to buy equipment, you can invest in Cloud Mining. $1.5 is enough to start, and the annual profit can exceed 200%.
Calculation example for the HashFlare cloud mining service (personally verified!).
Having bought 10 GHS for Bitcoin mining (SHA-256 algorithm) for only $1.5, after 12 months there will be $3 in the account.
Cryptocurrency is credited to the account daily and it is possible to buy additional GHs from your own balance.
When buying capacity, you enter into a contract for one year, take this into account when calculating.
Opening a deposit in a bank
Opening a deposit in a bank - ruble, currency. The bank is one of the most familiar and affordable places to invest money for a long time without risks and with a guarantee. The risk in this case is minimal, and you are guaranteed, at the end of the deposit agreement, to receive your money and earned interest. This can be considered a plus. Deposits up to 1 million 400,000 rubles are insured, which equates the risks to zero.
An additional one advantage of such a solution is the ability to make a deposit in domestic cash or currency. The main difference between these two options is the interest rate.
Impersonal metal account.
Opening anonymized metal account(CHM) is the purchase of a virtual precious metal (gold, platinum, silver). That is, you can, including through Internet banking, open a CHI and deposit the amount of purchased metal into it in terms of monetary units. The income from such an investment will depend on fluctuations in the value precious metals in the domestic and world market. However, we can confidently say that this method, being a long-term investment, guarantees a good income in the future.
Of the minuses - you have to pay tax on the profits received, and a low percentage of profitability.
Participation in the auction
Playing on the stock exchange is a very common way to get the maximum profit in a relatively short time. However, long-term investments are also available here. But if earlier an ordinary man in the street, deciding where to invest money for a year, did not consider this method because of the unreality to participate in auctions with small amounts, today this situation has changed dramatically.
Forex exchange platform, use of PAMM accounts, binary options and game on stock markets became available to almost everyone.
Advantages:
- the opportunity to receive a high stable income;
- the availability of training courses on trading for people who do not have a financial education.
Flaws:
- the need to undergo special training - only analysis and adherence to the chosen strategy will bring income. Trading for luck is like playing the lottery;
- enough high risks losses;
- a large number of influencing factors that need to be taken into account and analyzed.
Debt online services
A fairly simple way to invest is offered by the system electronic wallets webmoney. This is an online debt service that even allows you to invest money for 24 hours at interest.
This debt service is an alternative bank loans. Here, the P2P principle is implemented, when money is directly received from the lender to the borrower on favorable conditions.
The main advantage of the service is favorable interest rates for both parties. The interest for the borrower will be lower than for lending for the same amount at the bank. The lender, on the other hand, receives interest in the online service for his investment, which is more profitable than what he could count on using a bank deposit.
Advantages:
- high profitability and passivity of earnings.
Flaws:
- loan default risk. It is recommended that you always carefully study the details of the borrower before issuing a loan.
Startup
When deciding for themselves the question of where it is more profitable to invest money at high interest rates, many begin to search for profitable and promising start-ups. A startup is a new or under development project, usually based on innovative ideas and new technologies.
Advantages:
- a real opportunity to significantly increase your funds if successful.
Flaws:
- the search for a really interesting and promising startup can take a lot of time;
- there is no guarantee that the project will be successful;
- such a choice, even if successful, can easily grow from an expected medium-term investment to a long-term one.
HYIPs
The network also offers such ways to quickly and very profitably invest your funds at fabulous interest rates - HYIPs (HYIP). This abbreviation comes from the English "High Yield Investment Program" and translated into Russian means - an investment program that brings high income.
According to some, HYIPs are the most natural fraud, very reminiscent of financial pyramid, where participants are promised a very high income without any effort. All that is required from the participant is money. But on the other hand, one cannot deny the fact that there are a certain number of people who were able to make big money on such projects.
Advantages:
- very high yield.
Flaws:
- very high risks, because it is never known at what point the project will cease to exist. For this method Sayings like “get the cream off” and “only the first ones win” are the best fit.
We can conclude that if you decide to invest your money in this way, then you should choose a project that started quite recently. It is highly desirable to have time to get out of it in time.
Even more interesting
There are many ways to increase capital, and one of the safest is Bank deposit. A person can be sure that he will not lose his funds under any circumstances. Another question is whether it will be possible to invest money in a bank at a high interest rate with a guarantee? After all, a deposit is not the most profitable option for generating income. Such an investment will not bring significant profit, however, there is still a profitability from bank deposits.
Is it possible to invest money in a bank at a high interest rate with a guarantee
Investing in a financial institution allows, first of all, to preserve capital. Because the funds will be safely stored on deposit, and the client will be able to pick them up after the expiration of the contract. Another question is whether it will be possible to earn on your deposit, and will the profit appear monthly?
Of course, there are offers that allow you to profitably invest money. Also, many institutions guarantee a refund even in case of bankruptcy. Therefore, people can apply to the bank in order to make a deposit with favorable interest.
If you decide to invest as a deposit, then it is important to choose the right bank. Because not every financial institution offers favorable conditions. Pay attention to the interest rate, because it determines the profit. You should also be sure of the reliability of the organization, so as not to lose money. Consider how you can profitably invest your money, and which banks are suitable for this.
Scroll financial institutions For Russia:
- Sberbank - deposit "Savings Certificate". The minimum registration period is 91 days, and you can deposit from 10,000 rubles. If, say, you use 100,000 rubles, then you can count on 5.2 percent per annum. Accordingly, in a year you can get 5,200 rubles, and in 90 days - 1,300 rubles.
- Alfa-Bank - Pobeda+ deposit. The minimum you can deposit money for 92 days, and at 6.8% per annum. Note that the amount will be insured, so the person will not lose funds under any circumstances.
- Gazprombank - Otstupnoy deposit. A person can open a deposit for 91 days at 7.1% per annum. If you use 100,000 rubles, then in three months you can get 1,775 rubles. It is impossible to replenish or withdraw money until the end of the contract.
- FC Otkritie - deposit "Premium". The shortest period is 91 days and the interest rate is 7.2%. Note that interest on the deposit can only be received at the end of the contract.
- VTB 24 - Profitable Online deposit. The interest on the deposit is 7.4%. You can invest for at least 91 days. Accordingly, if you put 100,000 rubles, then in three months you can get 1,850 rubles.
- RosselkhozBank - deposit "Classic online". You can put at least 3,000 rubles at 7.75% per annum. For three months, you can make a profit in the amount of 1,937 rubles, if you put 100,000 rubles.
- Binbank - deposit "Summer". The interest rate is 8.5%, but the smallest amount is 50,000 rubles. You can only invest for 150 days. Note that the client can increase the size of his investment during the first 10 days.
- Promsvyazbank - "Investment income". You can open only for 184 days, while the interest rate is 9%. Accordingly, if you put 100,000 rubles, then you can get 4,500 rubles at the output.
A person will only have to choose which option suits him. Of course, it is profitable to invest in those financial institutions that offer a high percentage. If a person wants to receive a monthly income, then the rate will not be high. Because good percentage offered for longer periods. A foreign citizen from Uzbekistan, Belarus, Ukraine and Kazakhstan should consider options in their home country. Because the above proposals are intended for Russia.
Be sure to familiarize yourself with the conditions offered by the financial institution. Moreover, in the analysis it is worth paying attention to specific points. First of all, you need to familiarize yourself with the currency that you can use. It is more profitable now to invest dollars or euros, but it is better to use rubles in case of small amounts.
You should look for a higher interest rate, because the higher it is, the more profitable it is to invest. It is also worth finding out if it is progressive. The most preferable condition is the presence of capitalization, because then the rate will be higher than the nominal one.
It is also important to choose the right term in order to get a good profit. Naturally, the longer a person waits, the larger the amount will be given to him at a time. However, short-term deposits can also be profitable, so they should not be dismissed immediately. In general, the person himself must decide for what period it is more convenient for him to conclude a contract.
Another important point is the ability to deposit and withdraw money. For some people, it is important to be able to manage finances. Not every deposit can be replenished or cashed out before the end of the contract. Therefore, before investing money, you should study the bank's website, as well as personally visit it and ask employees in detail about the conditions.
Before making a bank deposit, it is worth deciding on its purpose. For example, people, in particular pensioners, can save for old age. Other citizens wish to save money from inflation. There are those who want to live on interest, it is more useful for them to choose the option with a high monthly income.
In any case, one should not rush, and it is necessary to obtain guarantees from the bank. It is also necessary to familiarize yourself in detail with the conditions offered by the organization. Be sure to decide whether it will be more profitable to use dollars or another currency. It is also worth calculating the term and the profit that you can eventually get.
Important! Separately, we note that it is worth making sure that the bank has a state insurance guarantee on deposits. Because in this case, in case of bankruptcy of the institution or other negative events, it will be possible to return the money.
It will be more reliable, because a person will definitely not lose his money. Therefore, you should not want to get very high interest rates in banks that do not have guarantees. It is worth transferring funds only to those organizations that definitely will not deceive.
There are a number of troubles that investors face. You should know about these problems before opening a deposit. First of all, inflation occurs regularly. For example, back in 2010, 100 rubles could buy 4 packs of milk, and now, at best, two packs. That is, the purchasing power of the amount has decreased. Accordingly, due to inflation, with a long-term deposit, you can not only not multiply your capital, but, on the contrary, be at a loss.
Another difficulty is the bankruptcy of banks, in particular we are talking about young institutions. People are chasing a high percentage and open a deposit in them. However, after a while, the organization becomes bankrupt, and the person loses money. If initially there was no guarantee, then the state will not return the money.
Reliable banks, in turn, offer low rates. However, funds will definitely be returned in case of adverse circumstances. Accordingly, people either have to take a risk, or settle for a low percentage. Both options are not the best for investors.
Bank deposits have both positive and negative aspects. They are worth considering before investing. Of the advantages, reliability can be noted, because people, choosing good organizations, do not risk anything. There is also a real opportunity to earn money, albeit not quite a lot. If a person has a very large amount, then he can count on a tangible income.
Among the shortcomings, one can single out the rather low percentages that are offered to customers. Therefore, people often cannot earn large sums. Of course, there will be income, but it will definitely not be possible to live only on interest with a small contribution.
Another disadvantage is the inability to withdraw money or replenish a deposit. Only in rare cases can people manage their finances. In other situations, you have to wait until the end of the contract, because if you withdraw funds prematurely, interest will be lost. Accordingly, people take money earlier only when they are really needed.
Deposit is an effective tool for obtaining passive income. The main advantages are simplicity and accessibility. It is logical to place savings in a financial institution that offers the best interest rates on deposits, but all programs, including highly profitable ones, must be supported by a banking reputation and comfortable terms of the contract.
How to choose a bank with a high return on a deposit
There are a lot of financial institutions that offer a high percentage of deposits. In addition to the tariff, other conditions of the program are important, for example, the presence of capitalization, the possibility of replenishment and partial withdrawal of money, the rules for terminating the contract. Contributors are guided by their own selection strategy, which does not eliminate the need to follow general rules.
Reliability of a financial institution
To reduce risks and obtain guarantees for the security of placing money, you should make sure that the chosen credit institution is reliable. According to the rating of the Central Bank Russian Federation(hereinafter referred to as the Central Bank of the Russian Federation) TOP-5 most reliable credit institutions include: Sberbank of Russia, VTB Bank of Moscow, Gazprombank, Rosselkhozbank, Alfa-Bank. Before investing, check the reliability of the selected organization according to the following instructions:
- Consider customer reviews.
- Find out about the presence of negative reviews in the media financial organization.
- Familiarize yourself with depositories tariff plans. They shouldn't be too high.
- Find out if the bank participates in the state deposit insurance system.
- The official portal of the Central Bank of the Russian Federation contains information on the reporting of banking organizations. If the liquidity of assets decreases (the share of loans issued is high, the share of money accepted is low), the financial institution is experiencing better times.
- Check the rating (ranking) of the credit institution. It is systematically published by ARKA, RAEX (Expert RA), S&P Global Rating agencies on open Internet platforms and official websites;
- Find out the size authorized capital of the selected organization on its official portal, the website of the Central Bank of the Russian Federation (see the Guide to Credit Institutions) or through its branch by making a request financial reporting for the current year.
Deposit insurance system
The deposit insurance system (hereinafter referred to as DIS) is a mechanism for the protection of the population's funds by the state. On the onset insured event, for example, bankruptcy of a credit institution, the reimbursement of money to the account holder is carried out by the Deposit Insurance Agency (hereinafter DIA). The list of banks that are included in the DIS can be found on the official website of the DIA.
You should not deposit more than 1.4 million rubles (the maximum amount for which a deposit can be insured) on a deposit account in one bank. If the amount of your deposit does not exceed the maximum sum insured, you are guaranteed to get your money back in case of bankruptcy or liquidation of a credit institution. DIA has the right to change its size.
What determines the interest rate on the deposit
The process of formation of the depositary tariff is associated with inflation, the level of welfare of citizens, liquidity banking system and general economic indicators. The key rate is set by the Central Bank of the Russian Federation. The intra-bank factor affecting its value is the accrued interest. It can be simple (accrued at the end of the contract) and complex (reinvested).
Reducing the key rate of the Central Bank of the Russian Federation in 2018
The negative dynamics of the national currency exchange rate led to a decrease key rate to a minimum of 7.75%. By the fourth quarter of 2018, experts suggest its possible fall to 6.5%. It makes no sense for financial institutions to borrow from individuals money at interest exceeding the key rate (under such conditions, the bank borrows money from the Central Bank of the Russian Federation, which is its regulator), so its reduction entails a drop in depository rates.
Amount and term of the deposit
Depositary tariffication depends on the amount of the deposit and the term of the investment - the larger they are, the higher the percentage. Taking into account expert expectations of further reduction of the key rate, bankers encourage depositors to invest in medium-term programs. A higher interest rate for long-term deposits, which contain large amounts of money, may entail additional risks.
Banking conditions in 2018
It is not worth predicting cardinal changes in the market of depositary programs, the indicator is likely to remain at around 7.3%. By the end of 2018, it may decrease, so it makes sense to hurry up to invest. Banks will strive to increase the profitability of short-term and medium-term deposits. By investing large sums, you can get up to 8.5% per annum on medium-term deposits.
Types of interest rates
banking institutions provide two types interest rates on deposits: floating and fixed. In the first option, the level of interest varies during the term of the contract. Such a product is less common and is designed for investors who are ready to take potential risks. With a fixed rate, the interest remains unchanged during the entire duration of the depository agreement and can only increase when it is extended.
Interest capitalization
The increase in the principal amount of the deposit by adding to it the interest accrued for previous periods is called capitalization. Further interest accrual is already made on the increased depositary amount. Examples of products with capitalization: "New Year's Privilege Online" Soviet Bank, "SmartDeposit" Tinkoff Bank, "Premium Rentier" TKB.
Possibility of partial withdrawal and replenishment
An additional deposit of money into the account is called depositary replenishment. For example, if the depositor does not have the opportunity to invest all the money at once, but he is ready to increase the amount to receive preferential tariffication. Partial withdrawal involves claiming amounts from the deposit without loss of interest. The client freely disposes of money and has financial security.
Early closing of the deposit
Banks rarely provide for the possibility of early closure of depository agreements without changing the settlement procedure. This means the loss of interest accrued for the previous period. If you want to be able to close your account early without loss, carefully study the agreement - some credit organizations offer the option of preferential termination and early withdrawal of the balance.
The highest interest on deposits
A large depository interest is the prerogative of small banks. This is an option special programs operating during limited period time. Often, the tariffing declared by a credit institution is overestimated compared to the current one. For example, the condition for obtaining it is a high threshold of the minimum contribution amount (several hundred thousand rubles). When choosing which bank to put money at interest in 2018, you should look for a financial institution with a good reputation. It will offer average rates, but in the long run, the saver will benefit from reliability and benefits.
Offers for regular customers
To support customer loyalty, credit institutions launch profitable promotions that provide for a percentage increase to base rate when extending the deposit. For example, Moscow credit bank offers to place money for a period of more than 91 days, increasing the interest from 6.5 to 8.5 ("Loyal+" product). Binbank's "Maximum Interest" program promises an increase in interest upon prolongation of the contract for a period of 6 months to 1 year.
New Year's deposits
Every year, before the holidays, financial institutions prepare surprises for customers - seasonal products that promise maximum interest on bank deposits. The most profitable deposit is a term deposit of a seasonal type. It is the same popular type of placement of funds as investing in precious metals. 2018 was no exception – financial institutions delighted Russians with holiday bonuses.
The table shows the maximum interest on deposits in banks at the moment:
Minimum deposit | Period (days) | Bid (%) | Other conditions |
|
Soviet "New Year's Privilege Online" (with SMS informing) | Capitalization |
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$500 | % monthly |
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Auto-prolongation |
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rebirth "New Year's percentage" | Preferential termination |
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$100 | ||||
Oriental "Christmas - VIP" | Capitalization |
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15 thousand USD | Preferential termination |
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Early withdrawal |
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15 thousand euros | % monthly |
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Moscow Industrial "Holiday Choice" | Capitalization |
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% monthly |
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Replenishment |
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Bank "Saint-Petersburg" "Winter Petersburg" | 10 thousand rubles | Auto-prolongation |
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$500 50 thousand US dollars | ||||
Multicurrency deposits
A distinctive advantage of a multi-currency account is the ability to store money in several currencies at once. Given the instability of exchange rates, it is convenient to keep money on an account that allows you to convert money from one currency to another in one click. The table shows the TOP-3 profitable multi-currency programs:
Bank and product name | Minimum deposit | Bid (%) | Period (days) | Other conditions |
Soviet | % at the end of the term |
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$104 | refillable |
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There is an early termination |
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"Union of Currencies" | % monthly |
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$143 | refillable |
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There is an early termination |
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Tinkoff "SmartDeposit" | Capitalization |
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Partial withdrawal |
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$196 | There is an early termination |
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refillable |
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% monthly |
Online deposits
By making a deposit remotely, you save resources (your time, the labor of a teller), reduce the technical wear and tear of computer banking equipment, and credit organization stimulates you with preferential tariffing. Another advantage of online deposits is that they can be processed anywhere in a few minutes. You can also terminate the contract and close the account online.
The table shows the TOP-3 most profitable online deposits:
Name of the bank and depository program | Contribution (in rubles) | Period (in days) | Bid (%) | Other conditions |
"Premium Rentier" | With capitalization |
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% monthly |
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Sovcombank "Maximum income with "Halva"" | Without capitalization |
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refillable |
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Russian standard "Maximum Income" |
How to open a deposit at a high interest
The amount of passive income depends on the correctness of your choice. To make a decision while searching for the optimal program, take the following steps:
- Decide on the amount.
- Decide which product suits you best.
- Analyze the conditions for the provision of services of different credit organizations.
- For the accuracy of calculations, use an online calculator, study the offers on the official website of a financial institution or visit its branch.
- Analyze the conditions for early termination of the contract.
A capable person over 14 years of age who has received a passport has the right to place money on a deposit. The Client may be a citizen of the Russian Federation (RF) or a foreign state. A retiree must carry a pension certificate with him in order to access benefits. When applying directly to a credit institution, you must:
- Fill out the application form, attach to it the documents required for the execution of the selected deposit.
- Fill out a personal card, leave a sample of a personal signature.
- Check the deposit agreement for the correctness of the data entered by the specialist, sign it.
- Clarify with the consultant the answers to all remaining questions about the selected product.
- Deposit money to the specified account before the deadline specified in the contract.
- Receive and keep all related documents until the end of the contract.
Algorithm of actions online:
- Select a lending institution.
- Visit its official website, register through the Internet banking system.
- Sign in Personal Area.
- Open the menu item "Deposits" or "Deposits and accounts" (section names may vary).
- Select the "Open Deposit" option.
- Enter the card number from which the money will be debited.
- Confirm the operation.
Rating of banks on deposits with the maximum rate in 2018
Credit institutions have not been able to offer high depository rates to their customers for several years now. At the beginning of 2018, their decline continues. At the moment, the rate is from 7.5 to 8.5%. The best deposits in Russian banks are shown in the table:
Product name | Bank's name | Maximum rate, % per annum |
||
U.S. dollars | ||||
"Sparkling" | Tauride | |||
"New Year's percentage" | rebirth | |||
"Savings Plus" | Fora-Bank | |||
"Loyal+" | Moscow Credit | |||
"Absolute High+" | Absolut Bank | |||
"My income" | Promsvyazbank | |||
"Maximum Online" | ||||
"Maximum percentage online" | ||||
"Renaissance Profitable" | Renaissance Credit | |||
"Classical" | Moscow Industrial | |||
"Urgent Premium" |
Bank Tauride Seasonal deposit "Sparkling"
You can apply for this product on the official website of the specified credit institution or through its branch. Deposit conditions:
- currency - Russian ruble;
- contribution - from 100 thousand rubles;
- term - 91 days;
- interest rate - 8.6% per annum;
- replenishment is not provided;
- there is no partial withdrawal;
- without capitalization;
- payment of % at the end of the term.
Promsvyazbank "My income"
This product has two advantages: the availability of auto-renewal (no more than 3 times) and the possibility of registering for a third party. Deposit terms:
- opening method - through the official website or branch of Promsvyazbank;
- replenishment is not provided;
- there is no partial withdrawal;
- no capitalization;
- preferential early withdrawal (if the account is closed after the 90th day, % is charged at the rate of ½ of the rate set upon opening/prolongation);
- payment of % at the end of the term.
Minimum amount Period (days) | Rate, % per annum |
||
in Russian rubles |
|||
in US dollars |
|||
Binbank Deposit "Maximum interest (online)"
This is a fixed-term deposit program with the payment of passive income at the end of the main and / or extended term (at the choice of the client). Opened online or through Internet banking. Deposit terms:
- replenishment is not provided;
- there is no partial withdrawal;
- early termination at 0.001%;
- there is a prolongation;
- no capitalization.
Amount range Period (days) | Rate, % per annum |
|||
in Russian rubles |
||||
100 thousand - 30 million | ||||
in US dollars |
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300 - 1 million | ||||
300 - 1 million |
Renaissance Credit "Renaissance Profitable"
This product sets a reduced minimum amount when ordering a product online: from 5,000 rubles, from 100 US dollars or from 100 euros. There is a program of preferential early termination. Deposit terms:
- replenishment is not provided;
- there is no partial withdrawal;
- auto-prolongation is possible;
- no capitalization;
- payment of % at the end of the term.
Minimum Period (days) | Rate, % per annum |
||||||
in Russian rubles |
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in US dollars |
|||||||
Moscow Industrial Bank "Classic"
Additional conditions of this product include the ability to draw up a power of attorney or testamentary disposition and connect to a flexible system of SMS notifications (the difference from the usual notification service lies in the presence of advanced options that make it possible to manage own account via SMS commands). Deposit conditions:
- replenishment is not provided;
- there is no partial withdrawal;
- no extension;
- no capitalization;
- payment of % at the end of the term.
Credit Bank of Moscow "Loyal+" deposit
The program has attractive features - increasing interest and guaranteed retention of income for the past period in case of early account closure. Conditions:
- replenishment is not provided;
- there is no partial withdrawal;
- no extension;
- no capitalization;
- early termination with full retention of income;
- payment of % twice for the term of the contract.
Bank Vozrozhdeniye "New Year Percent"
This is a real New Year's gift for customers. The rate increases depending on the term of investment. You can make a deposit online or at an ATM. Conditions:
- replenishment is not provided;
- there is no partial withdrawal;
- auto-prolongation is possible;
- no capitalization;
- early termination on preferential terms is valid for deposit programs for a period of 181 and 367 days: after 91 days - 4.25% for rubles, 1% for dollars, 0.5% for euros;
- payment of % at the end of the term.
Fora-Bank Savings Plus
One of the distinguishing features of this deposit is the possibility of replenishing the account in cash. You can issue it only through a branch of a credit institution, the currency is the Russian ruble. Deposit conditions:
- replenishment - from 2,000 rubles during the first 92 days of the term (only for deposit programs for a period of 182 days or more);
- there is no partial withdrawal;
- no auto-renewal;
- no capitalization;
- early termination at the rate "on demand" (0.01%);
- payment of % at the end of the term.
Minimum deposit (R.) | Period (in days) |
|||||
Rate, % per annum |
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Absolut Bank "Absolute Maximum+"
The product supports the option of Absolut Bank's large-scale children's campaign "Under 18 and under", which allows parent clients to open an "Absolute Maximum+" term deposit in the name of their child, presenting their birth certificate. Deposit conditions:
- replenishment is not provided;
- there is no partial withdrawal;
- there is an extension - the rate increases by 0.25% per annum from the one that was in effect on the date of the extension of the contract when prolonging from 1 to 5;
- without capitalization;
- there is a preferential early termination with a deposit term of more than 181 days - at 0.6% per annum;
- payment of % at the end of the term.
Period (days) | Rate, % per annum |
||||||
in Russian rubles |
|||||||
30 thousand - 1 399 999 | |||||||
1.4 million - 2,999,999 | |||||||
in US dollars |
|||||||
1 000 – 10 000 | |||||||
10 000 – 35 000 | |||||||
1 000 – 10 000 | |||||||
10 000 – 35 000 | |||||||
UBRD "Maximum Online"
Credit institution offers the specified deposit to persons who do not have a deposit or savings certificate in UBRD. It only opens online. Conditions:
- currency - Russian ruble;
- the minimum contribution is 1,000 rubles;
- term - 180 days;
- for amounts from 1,000 to 999,999 rubles - at 8% per annum, from 1 million - at 7.6% per annum;
- replenishment is possible;
- there is no partial withdrawal;
- no auto-renewal;
- monthly capitalization is provided at the choice of the client;
- interest payment monthly.
Bank Zenith "Term premium"
Designed to receive increased income from large investments. Together with the program, the credit institution offers additional conditions - preferential receipt of the following bank cards:
- Visa Gold, MasterCard Gold without commission for the annual maintenance of the card account (hereinafter CA) for the term of the deposit;
- Visa Platinum no commission for the annual maintenance of the CS for 1 year;
- Visa Infinite with a 50% discount on annual service for 1 year.
Deposit terms:
- replenishment is not provided;
- there is no partial withdrawal;
- no extension;
- no capitalization;
- payment of % at the end of the term to a separate account.
Period (days) | Rate, % per annum |
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in Russian rubles |
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5 million - 15 million | |||||
in US dollars |
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Video
January 2019
A bank deposit is one of better ways save and increase your money capital. This type of investment can be classified as one of the most reliable. From this article, potential investors will find out which bank is better to invest money at interest.
Which bank is better to deposit?
Bank deposits do not have the highest profit, there are other ways to invest money with higher returns. Investments with high returns carry high risks. If the investor is primarily interested in the reliability of the investment, then in this case it is perfect bank deposit under a percentage.
The choice of a bank for a deposit should be taken with the full degree of seriousness. The investor must understand that any way of investing is a risk. To protect yourself and reduce risks, you need to pay attention only to the most popular banks with a proven and reliable reputation.
Most people, when choosing a bank for a cash deposit, focus on the value annual interest. This approach is not entirely correct. As a rule, small banks offer high interest on deposits in order to attract as many customers as possible. Large financial institutions offer a lower interest rate, but the reliability of deposits in such banks is much higher.
Bank deposits differ in their conditions - each deposit has a certain period for which the depositor leaves his savings in the bank. Interest rates for each deposit offer differ very much. Maximum and minimum amount investments are different for all deposits, this should also be emphasized when choosing the necessary financial product.
First of all, the depositor needs to decide how much money to pay to the bank at interest. Secondly, you need to think about how long to make a contribution. Another nuance is the choice of currency for the deposit. The investor can invest his savings at interest in different currencies (be it rubles, euros, or dollars).
According to the law on insurance of individuals in banks of the Russian Federation No. 177-FZ of December 23, 2003, if a license was revoked from a bank of the Russian Federation, the deposit amount will be paid to the depositor of this banking organization, but it should not exceed the value of 1,400,000 rubles. Only for deposits that do not exceed 1,400,000 rubles. in one bank, an insured event will operate. If the client decides to invest funds in the amount of more than 1,400,000 rubles, then they should be distributed among several banks. That way you can protect yourself. If the license of the bank where the deposit was made is revoked, the investor will be refunded the amount of the deposit.
What is capitalization of deposits?
The capitalization of the deposit is the growth of the main "investment body" through accrued interest. This percentage can be calculated monthly or quarterly.
With the capitalization of the deposit, the income from the deposit will be higher. Each subsequent month, the interest will be recalculated from the available accumulated amount, and not from the initial investment amount. For example, bank A monthly accrues interest with a capitalization of a deposit of 100 thousand rubles. The available deposit rate is 10% per annum. A year later, the return on such an investment will be 10,471 rubles. Without capitalization, the yield would have been 10,000 rubles.
If an investor is interested in putting money at interest for a long time, then the best option will be a deposit with interest capitalization.
What is a deposit extension?
Prolongation of deposits is an extension by the bank current contract on the deposit, if the client did not close his deposit on time. The extension of the deposit occurs automatically on the next day after the expiration of the deposit. As a rule, the deposit is extended under the same conditions and for the same period as the first one. You need to find out the terms of prolongation from your bank, for different deposits the conditions may change.
The bank must notify its customers when the expiration date of the deposit agreement is approaching. However, do not rely on bank alerts. The depositor must visit a banking organization before the prolongation and take actions with his deposit.
Which bank is more reliable for a deposit?
Large volume equity- one of the main criteria for the reliability of the financial structure. This indicator provides the bank's obligations to its customers. If it is below the standards, then the Central Bank will revoke the license of such a bank. There are other criteria for evaluating reliability, which should be focused on when choosing a deposit.
Indicators of a reliable bank:
- the amount of own capital;
- the number of bank assets;
- number of clients;
- volume of investments of individuals;
- number of branches and ATMs.
The largest and most reliable financial institutions in the Russian Federation:
- Sberbank of Russia
- VTB Bank of Moscow
- Gazprombank
- RosselkhozBank
- Alfa Bank
- Opening
- Promsvyazbank
- Binbank
- UniCredit Bank
When choosing a financial organization for investment, we advise you to use our reliability rating.
Most reliable banks present to clients the following conditions for deposits:
- Sberbank has the most profitable deposit at a rate of 7% per annum. Funds can be placed on it for 5 months. Minimum size contribution - 100,000 rubles. This deposit of Sberbank does not provide for withdrawal and replenishment of funds.
- VTB 24 offers its customers a Profitable deposit with an interest rate of up to 7.1% per annum. If the deposit is opened in the Internet bank, then its minimum amount is 100 thousand rubles. If you open a deposit at a VTB 24 branch, then the minimum deposit amount is 200 thousand rubles. The deposit does not provide for replenishment and withdrawal of money. Interest is recalculated every subsequent month with capitalization. The deposit can be made for a period of 3 months.
- Alfa-Bank gives its clients a deposit with a maximum interest rate of up to 7.3% per annum. There are a large number of tariffs for deposits, the percentage depends on the amount of investment, the term of the contract and other factors.
It can be noted that the most reliable banks have very low interest rates on deposits. They provide their client with a deposit at an average interest rate. annual rate about 7%. Small organizations offer deposits at 10% per annum or more.
How to calculate the return on investment yourself?
The profitability of your contribution is quite simple to calculate on your own, for this you do not need to have special mathematical abilities.
The easiest type of deposits to calculate, in which interest is charged at the end of the contract. For example, you draw up a bank deposit in the amount of 100 thousand rubles for a year. A year later, 10 percent is charged. In this case, you can apply the formula:
D = S×1 year×10%, where:
D - income for the period;
S is the amount of investment.
The profit from such an investment will be 10 thousand rubles in one year.
Interest on deposits can also be accrued every month, the subsequent interest is calculated from the amount of the previous month, taking into account accruals. This process is called capitalization of the contribution. Calculating profit on such deposits is quite difficult. To calculate, you need to apply this formula:
S×(1+Pd÷100D)n, where:
S is the amount of investment;
P - interest on the deposit;
d - the number of days for the capitalization of the deposit;
D is the number of days in a year;
n - the number of interest accruals for 1 year.
What are the risks?
Every investor knows that risks are everywhere. There are less risky investments, and there are very risky ones. Bank deposits can be classified as a group of investments with low risk.
The investor can influence the risk percentage of his deposit. For example, choosing a less reliable bank for a deposit, the risk becomes much higher. It is worth recalling that with an investment of more than 1.4 million in one bank, the deposit will not be considered as an insured event. The best solution would be to divide a large amount into several parts and put them at interest in several different banks.
The legal regulation on the insurance of deposits of individuals gives more confidence to investors. Subject to all the rules, the risk of losing cash close to zero.
Summing up
- you should choose a bank for a deposit, paying close attention to its reliability and reputation;
- investments from large percentages are characterized by high risk (as a rule, banks with high interest on the deposit are less reliable);
- it is impossible to exceed the investment amount more than 1.4 million (because in case of deprivation of the bank license, sum of money beyond this value will not be returned);
- it is better to make a deposit, one of the conditions of which will be the capitalization of interest, the profitability of such a deposit will be higher.
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A bank deposit is an ideal source of passive income that requires minimal participation of its owner in the process of making a profit. Indeed, the investor does not need to monitor currency fluctuations and trends every day, spend time studying the market situation, choose the most profitable deals and conduct risky operations with his money.
The investor must make only one important decision - to determine which bank is better to deposit money at interest in 2018. Many beginners do not see any difficulties here and focus solely on the deposit rates. But in fact, for a comfortable and profitable investment, many secondary parameters should be taken into account - from the reputation of a financial institution to the presence of a capitalization function for interest payments on a deposit.
Why open a deposit
The mechanism of operation of the deposit is quite simple. A citizen brings his money to the bank and gives the institution the right to dispose of them. The bank, in turn, uses these funds for various purposes - for example, to invest in a business, trade on stock exchanges or issuance of loans. At the end of the agreed period, the organization returns to the client not only the deposit in full, but also the remuneration, which is compensation for the use of capital.
Choosing which bank to put money in, the investor is primarily interested in the prospect of making a profit. However, there are other tasks that are solved by placing funds in deposit accounts:
- The fight against inflation. Purchasing power any monetary unit due to inflation decreases over time. A bank deposit allows you to limit or prevent the depreciation of money;
- Savings protection. When storing a house, capital is not insured against various force majeure circumstances - theft, flood, fire. The safety of assets in the bank may be in question only in the event of global catastrophes;
- Accumulation of a certain amount. Some people do not know how to manage funds at all and cannot save a certain amount - for example, to make an expensive purchase or go on vacation. There are replenishable deposits that allow you to raise money for such purposes;
- Additional income. In addition to interest accrual, owners of multicurrency deposits can also receive income from changes in the exchange rates of monetary units.
Advantages and disadvantages of deposits
Why, then, do citizens give their preference to deposits and seek to profitably put money in a bank at interest? There are several reasons for this:
- Bank deposits are characterized by the most high reliability and safety;
- An account can be opened not only in rubles, but also in foreign currency;
- Bank offers include many products with a wide variety of conditions and opportunities;
- The procedure for drawing up an agreement is as simple as possible - you can open a deposit via the Internet or in any branch of the bank in a few minutes;
- The deposit does not require the constant attention of the investor;
- The income under the deposit agreement is known in advance;
- The entry threshold for an investor most often does not exceed 5-10 thousand rubles;
- The state guarantees the return of funds to the depositor in the amount of up to 1.4 million rubles in the event of a bank failure.
Thus, a bank deposit is one of the safest and most accessible for beginners. investment instruments. However, it is also not without known shortcomings:
- The consequence of security is a rather low profitability - the profit from investing hardly compensates for inflation;
- Deposits are characterized by low liquidity - they either cannot be closed ahead of schedule, or they can, but with a complete loss of accrued interest;
- For various reasons, a bank may suddenly lose its license and close.
As for the taxation of income on deposits, this factor in most cases is not significant: the owner of a deposit in rubles with an interest rate not exceeding the refinancing rate by more than 5% does not have to pay personal income tax. Moreover, even with inflated interest, a tax of 35% is not levied on the entire amount of profit, but only on that part of it that exceeds the specified limit.
Main types of deposits
In an effort to attract representatives of various target audiences financial institutions offer customers not one, but several types of deposit products that allow you to deposit money in a bank at interest on different conditions and with different opportunities. Among them, there are fixed-term and demand deposits.
Demand deposits are funds that are simply stored in a banking organization. They can be withdrawn at any time, used at your discretion, and then replenished again. However, the interest on such deposits usually does not exceed 0.01–0.05% per year.
Term deposits, as the name implies, are opened for a predetermined period, after which the client receives back all invested funds and remuneration in accordance with the interest rate, if it was not paid regularly during the term of the contract. The specified amount is either transferred to a demand account, or in the case of automatic renewal, it is used to open a new deposit on the terms that are currently relevant for this banking product. Term deposits are divided into savings, savings and settlement:
- Savings deposits represent the highest rate, however, the investor does not have the right to replenish them or withdraw money from the account;
- Savings deposits are only allowed to be replenished: the amount of the minimum and maximum contributions, as well as their regularity, are indicated in the agreement. Such deposits are characterized by a slightly lower yield than savings;
- Settlement deposits allow replenishment and withdrawal of money from the account within certain limits - a certain minimum balance must remain in the bank. The rate on such deposits is usually the lowest among all urgent products.
bank requirements
At the beginning of the year there were 560 banks in Russia. Choosing which institution to cooperate with and where it is better to invest money in 2018, the investor must first of all assess his willingness to take risks. The guarantee of the safety of deposits placed in large organizations with a share of state capital is almost absolute, however, in reality, this reliability turns into minimal interest rates. On the other hand, second-tier companies offer higher remuneration, but the risks when working with them are much higher - up to license revocation and sudden bankruptcy.So which bank is better to put money in? It is logical to assume that the diversification strategy with the division of capital will be optimal. The bulk of the funds should be placed in a large stable operating organization, and a small share should be used for high-risk short-term investments with increased level profitability. In this regard, the question arises - how to assess the reliability of the bank? There are several criteria that allow an investor who does not have economic education:
- The amount of the authorized capital. Volume own funds in the bank should exceed 300 million rubles. You should also take into account the capital adequacy ratio (the ratio of the size of the authorized capital to the amount of attracted assets). The minimum allowable value of this coefficient is 8%;
- Position in the rankings. The list of the most reliable banks is regularly published by the Central Bank of the Russian Federation. In addition, ratings are compiled by other organizations - for example, Forbes, RIA Rating or the National Rating Agency;
- Direction cash flows. It can be studied by financial statements published by the banks themselves and the Central Bank of the Russian Federation. If the amount of loans issued increases and the volume of deposits decreases, the institution should be treated with caution;
- Characteristics of the personalities of the owners. Banks owned or run by individuals of dubious reputation should raise legitimate concerns among investors, especially if the terms offered differ. high yield;
- Feedback from contributors. To determine which bank is more reliable to put money in, you need to study all the available information about the selected institutions: a lot of useful information about the quality of service and the comfort of working with a particular company contains messages from ordinary users on forums or specialized financial sites;
- Availability of deposit insurance. In case of bankruptcy of an institution or revocation of its license, the DIA compensates the investor up to 1,400,000 rubles from all his accounts in this bank. At the same time, it is almost impossible to get money from a company that does not participate in the insurance program in case of an unfavorable outcome;
- Competence of employees. At the stage of deciding which bank to deposit money in, certain conclusions can be drawn in the process of communicating with consultants of these institutions. If employees do not want to spend time communicating with ordinary customers, are reluctant to answer questions, or try to impose services, you should think about the prospects for cooperation;
- Ease of account management. Ceteris paribus, it is more convenient to work with a bank that has an extensive network of branches and ATMs, as well as a functional personal account in the account management system via the Internet.
How to choose a program?
Despite the fact that financial institutions are trying by any means to obtain additional benefits from the placement of deposits, the agreement is eventually signed by the investor himself, and completely voluntarily. Therefore, the depositor must not only choose in which bank it is better to invest money at interest in 2018, but also be absolutely clear on what conditions he is going to do this.
When reading the deposit agreement, you should:
- Check the correctness of the details, amount, terms and other important parameters not only at the end of the signed document, but also on all its pages;
- Ask to correct all errors and inaccuracies, even if the bank employee claims that they are not fundamental;
- Demand clarification of all terms and conditions banking service directly or indirectly mentioned in the contract.
Each bank offers an average of three to six different deposit programs. Of course, investors are primarily attracted to options with the highest interest rates, however, these proposals have other parameters that deserve attention:
1. Deposit amount. The decision on how much money to put in the bank is mainly in the competence of the investor, however, in the conditions of almost all programs there are limits not only on the minimum, but also on maximum amount deposit. You should also take into account the limitations of the deposit insurance program: investing more than 1,400,000 rubles, it is better to distribute money between different companies;
2. Interest rate. It happens not only fixed, but also floating: for example, the increased rate is valid only for one or two months, and then its value is gradually reduced by 30-40%. In addition, the reward always depends on the period of placement and the amount of the deposit. Finally, banks set:
- High rates on savings agreements without the possibility of replenishment;
- Average rates under savings contracts with replenishment, but without withdrawal;
- Low rates on settlement agreements with replenishment and partial withdrawal.
3. Capitalization of interest. Used mainly for savings deposits. The essence of capitalization is to add the remuneration accrued for a certain period to the amount of the main deposit: accordingly, in the next interval, interest is accrued not on the base, but on the increased deposit;
4. Duration of the contract. Typically, the interest rate is proportional to the term of the deposit. However, in Lately banks regulate capital inflow by offering attractive interest on deposits for 3-6 months;
5. Account replenishment. The possibility of replenishing the deposit as funds are accumulated is quite attractive for the investor. In savings contracts, the amount of subsequent contributions is usually limited by the amount of the initial contribution, and also set the period during which money can be deposited into the account;
6. Early withdrawal. This option is necessary when you need to urgently withdraw money from your account for some important purpose. If the terms of the agreement allow for the maintenance of a certain minimum balance in the bank, then the investor will not lose the remuneration on the deposit;
7. Terms of renewal. Prolongation should be treated with caution: the bank extends the deposit term on the terms that are relevant for this product at the time of the automatic renewal of the agreement. However, the institution does not guarantee that these conditions will be the most favorable.
What currency to open?
Today at Russian banks you can make a deposit at least in rubles, dollars and euros. It is quite logical that investors, in an effort to preserve capital, try to guess which currency will bring the greatest profit this year. It is rather difficult to unequivocally determine the priority currency, since profitability forecasting requires taking into account not only interest rates, but also such unpredictable parameters as inflation and exchange rate fluctuations.
On the question of what currency to keep money in 2018, today the opinions of experts are divided. According to some, the ruble is expected to fall, and therefore the owner of the deposit in dollars will be able to earn extra on the difference in quotes. Others believe that the course Russian currency will not be subject to strong shocks - accordingly, the investor should choose the deposit currency based on the actual profitability of banking products.
- In order to avoid losses during conversion, it is preferable to place a deposit in the currency in which the funds were received;
- To minimize risks, you need to use at least two monetary units at the same time - rubles and dollars;
- If the investor eventually plans to spend the invested money for personal needs, then the deposit should be opened in the currency in which he will spend it.
Assessing the market situation, it can be seen that last year domestic banks significantly reduced rates on deposits in rubles; this trend continues today. Accordingly, when calculating the return on deposits in national currency we should not forget about real inflation, which currently stands at about 7%: if this indicator remains at the same level, the actual earnings of holders of long-term deposits can be only 2-2.5% per year.
The prospect of the euro raises logical doubts not only among ordinary customers, but also among financial structures. Migration and domestic politics many large EU member states, the results of the British referendum and other unfavorable factors make many think about the future of the EU and its currency. For this reason, most banks place deposits in euros at a rate of 0.2–0.5% per annum.
The position of the dollar, on the contrary, strengthened significantly in last years. This currency is used by all international banks and commercial organizations when conducting mutual settlements, they issue loans in dollars on a national scale and pay for oil and gas supplies. On the other hand, inflation in the dollar over the past year amounted to 2.07%, which, taking into account the proposals of domestic financial institutions, puts deposits in this currency on the same level of profitability as ruble deposits.
Overview of offers from Russian banks
To determine which bank is profitable to put money in Russia, you should study the offers on deposit products of the largest financial companies. It is they who determine the rate inherent in safe investments: if any institution offers too favorable conditions, you should think about whether it will return the money to the depositor after the expiration of the contract?
Deposits in rubles
As noted above, long-term deposits for several years today do not arouse interest among domestic bankers. The most profitable conditions are offered for deposits placed for 6-12 months. This is convenient for the investor: at the end of the term, you can evaluate the offers of other companies and transfer money to where the rate is currently more attractive. In which bank is it more profitable to invest money at interest in 2018:
Rates on deposits in rubles
Bank | Bid, % | Amount, rub. | Term, days |
Loco-Bank | 9,5–6,6* | from 100000 | 400 |
Bank Tauride | 8,8 | from 50000 | 181–367 |
Absolut Bank | 8,5 | 3000000 | 365 |
Russian Capital | 8,5 | from 1500000 | 395 |
Credit Bank of Moscow | 8,5–6,0* | from 1000 | 300 |
Housing Finance Bank | 8,3–7,0* | from 30000 | 368 |
IBSP | 8,25 | 5000000 | 367 |
Transcapitalbank | 8,2–6,5* | from 20000 | 368 |
Inkarobank | 8,2 | from 200000 | 181–367 |
Sovcombank | 8,1 | from 30000 | 180 |
Nefteprombank | 8,0 | from 1400001 | 365 |
Texbank | 8,0 | from 50000 | 181 |
Tinkoff Bank | 7,76 | from 50000 | 365 |
Soyuzny Bank | 7,75 | from 50000 | 181 |
Transstroybank | 7,7 | from 1400001 | 400 |
Rosselkhozbank | 7,6 | from 50000 | 180–395 |
Credit Europe Bank | 7,5 | from 3000 | 1098 |
Bank opening | 7,2 | from 1250000 | 367 |
VTB 24 | 7,1 | from 600000 | 365 |
Sberbank | 5,5 | from 1000 | 31–1098 |
* The rate is floating and gradually decreases over time.
Deposits in foreign currency
With deposits in US currency, the situation is different: there are practically no short-term offers among banking products. In addition, the most promising deposits are available mainly to large investors with amounts of several tens of thousands of dollars. In which bank to put money at interest:
Deposit rates in USD
Bank | Bid, % | Amount, USD | Term, days |
Bank "Saint-Petersburg" | 3,1 | from 50000 | 1825 |
Bank Tauride | 2,75 | from 1000 | 1095 |
NS Bank | 2,6 | from 30000 | 1830 |
Alfa Bank | 2,5 | from 30000 | 1098 |
SMP Bank | 2,5 | from 1000 | 1095 |
Rosselkhozbank | 2,4 | from 80000 | 395 |
Credit Europe Bank | 2,15 | from 100 | 1098 |
Tinkoff Bank | 2,01 | from 1000 | 365 |
Rosbank | 2,01 | from 20000 | 365 |
VTB 24 | 2,0 | from 1000 | 365 |
Absolut Bank | 2,0 | from 40000 | 367 |
Binbank | 1,65 | from 300 | 365 |
National Bank "Trust" | 1,5 | from 100000 | 367 |
Credit Bank of Moscow | 1,5–2,5* | from 200000 | 300 |
Sberbank | 1,35 | from 100 | 365 |
* The rate is floating and increases gradually over time.
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Special and pension deposits
Many banking organizations in an effort to attract additional contributors are developing preferential programs for people of retirement age. Such products have a number of characteristic features:
- A deposit account can be opened with a small amount;
- Even for small deposits, a high interest rate is applied;
- Remuneration is accrued and paid monthly;
- Deposits can be both replenished and partially withdrawn.
In order to be able to place a deposit on more favorable terms, the client must present a pension certificate at the conclusion of the contract. In which bank is it more profitable to deposit money for older people:
Rates on pension deposits in rubles
Bank | Bid, % | Amount, rub. | Term, days |
Moscow Regional Bank | 7,75 | from 10000 | 366 |
Post Bank | 7,45 | from 10000 | 367 |
Home Credit Bank | 7,1 | from 1000 | 546 |
Binbank | 6,94 | from 10000 | 91 |
Gazprombank | 6,7 | from 15000 | 366 |
Promsvyazbank | 6,7 | from 10000 | 731 |
Credit Europe Bank | 6,7 | from 3000 | 181 |
Uralsibbank | 6,5 | from 1000 | 91–732 |
Bank Vostochny | 6,2 | from 10000 | 731 |
Rosselkhozbank | 6,15 | from 500 | 395–730 |
Bank "Revival | 6,12 | from 10000 | 367 |
Sberbank | 3,5 | from 1 | 1095 |
Deposits in foreign banks
Thanks to the simplification of the procedure for registering deposits in foreign banks and a certain hype around the dollar, not only large, but medium-sized Russian investors thought about the possibility of preserving their capital and protecting them from the unpredictable conditions of the domestic financial market.
Why does the idea: “I want to put money at interest in a bank abroad” looks so attractive to the citizens of the Russian Federation? There are several reasons for this:
- Many foreign financial structures have been on the market for decades, and therefore are characterized by a high level of reliability;
- In the event of a bank failure, the depositor is guaranteed a return of a higher amount - up to 100 thousand dollars;
- Contribution to the foreign bank is a great way to diversify your portfolio.
Opening deposit accounts abroad and placing funds in foreign currency on them is especially beneficial for those who plan to work or study in Europe, are going to purchase here real estate or start a business. However, there are plenty of drawbacks to this way of storing money.
First, when entering into an agreement with foreign bank the client's nationality can become a problem. The reason is that European bankers see the entire expanse of the former CIS as a zone of increased corruption and criminal risk, and therefore the origin of the capital accumulated by Russian citizens is doubtful for them.
Secondly, the size of the annual remuneration in EU banks, in accordance with the dynamics of inflation, is set at 0.1-2.5% for deposits in euros, while some Swiss institutions even offer negative rates to customers. Under such conditions, for investors pursuing the goal of keeping funds with minimal risk, cooperation with foreign institutions may turn out to be unprofitable - after all, regardless of the profit, they will have to bear additional costs from the very first days:
- European managers prefer to negotiate with clients personally, and therefore the depositor will have to pay for travel and accommodation abroad;
- For non-residents, much higher rates and commissions for account maintenance are often applied;
- Banks have the right to change rates and tariffs at their own discretion.
A Russian citizen, despite these difficulties, who still wants to open a deposit account abroad, should first of all familiarize himself with the rules of customer service in European banks:
- You can deposit money into the account both in cash and in a non-cash way;
- The process of concluding an agreement takes from 7 to 60 days;
- Funds can be managed with bank card, checkbook, via the Internet, by phone or by fax;
- The minimum deposit amount is in the range of 10-30 thousand dollars;
- The depositor must, with the established regularity, submit reports to the FTS office at the place of residence on the movement of funds in foreign accounts.
Unlike Russian banks, foreign banks, when concluding a deposit agreement, oblige the client to provide many additional documents:
- Information about the composition of the contributor's family;
- Certificate of no criminal record;
- Declaration of income for the last year;
- Notarized copy of foreign passport;
- Receipt of timely payment of utility bills.
Conclusion
Bank deposits seem to be the simplest and most accessible tool not only for professional investors, but also for ordinary citizens: even an inexperienced depositor can easily save his capital and make a profit without an economic education or knowledge of the basics. technical analysis. Certainly, there are many more effective ways earnings on financial markets, however, none of them can be compared with the deposit in terms of reliability and guarantee of the safety of funds.