Comparison of rates on deposits in banks. Profitable deposits in reliable banks at high interest rates
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 the minimum balance (similar to the initial minimum) is maintained - 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 the minimum amount is maintained, 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%.Minimum amount deposit - 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. In case of partial withdrawal of funds, 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.
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, the best interest on ruble and foreign currency deposits often offered during periods of seasonal offers or other special bank promotions.
Bank deposits for individuals 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 make the best deposit in rubles or foreign currency at a favorable rate in a bank in 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 precisely 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 the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income if exchange rate to the ruble. This is how you can get the 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, there are few offers of deposits at a good interest rate 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, to date, among the deposits in banks in Moscow, the most profitable high interest rate in rubles has a deposit Deposit At the top (with NSZH) Gazprombank in Gazprombank (JSC) bank - 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 in Moscow with the maximum rate in rubles.
Reliable banks with high interest on deposits. Glad to see you again! A new book by King came out the other day, so I, as an avid reader of it, went to the store for a novelty.
Already when I approached the checkout, it turned out that the device did not want to punch through the coloring of one married couple.
While I was waiting for my turn to come, I witnessed the conversation of this couple.
The man intended to invest in a bank, but could not choose which one.
My wife could not advise anything decent, so I could not resist and got into the conversation.
Deposits at high interest rates - in which banks interest rates are higher?
Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete.
It is also important to take into account such a factor as risk. As you know, the State Deposit Insurance System guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.
Warning!
The most reliable bank is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business.
No wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.
Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.
Private banks from the Top 50 are the choice of people who, to a greater extent trusting private capital, prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the most small percentage, due to which they can attract deposits at a high percentage (higher than competitors with state participation).
Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21 to 47 in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors by the beginning of a new one, in December 2016.
Sberbank
Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank now offers the following deposits:
- 8 time deposits in rubles, dollars or euros (from 2.3% for " Savings account"Up to 6.49% on the deposit" Save "in rubles);
- for wealthy clients who prefer other currencies - “International” deposit (in British pounds, Swiss francs and Japanese yens - at 0.01% per annum);
- 3 deposits for owners of the Sberbank First and Sberbank Premier service packages - Save Special, Replenish Special and Manage Special with increased rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
- 3 online deposits in rubles, dollars or euros (rates are higher than for time deposits, by an average of 0.1%);
- 3 pension deposits.
Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.
A choice of replenished and non-replenished deposits is possible, with a different scheme of interest payment (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “within the leverage” of any person.
VTB 24
This bank offers 10 deposits on various terms (we can say that they are about the same with VTB 24 as with Sberbank):
- 3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
- 3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
- 3 contributions for special conditions for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
- 1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.
Gazprombank
This bank has only 7 deposits: 1 investment, including with investments in mutual funds (up to 9.70%), 5 accumulative deposits of various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).
There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.
Rosselkhozbank
Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).
Attention!
The rest of the deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.
Interest rates here are noticeably higher compared to the banks described above, but the conditions for placement are also somewhat stricter (interest at the end of the term, replenishment is impossible, etc.).
VTB Bank of Moscow
The new "Seasonal" deposit, which can be opened before January 31, 2017 for 400 days, implies 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.
The bank also offers 3 basic term deposits: “Maximum income”, “Maximum growth”, “Maximum comfort” with rates up to 8.46% for ruble accounts, up to 1.61% for dollar accounts and 0.01% for euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings account in rubles (up to 5%) and special offers for privileged clients.
We can say that deposits in this bank are beneficial primarily for a client with a large amount or who wants flexibility in replenishment / withdrawal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to the ruble rates and 0.1% to foreign exchange rates.
Russian standard
This bank offers 4 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% for dollar accounts and up to 1.25% for accounts in Euro.
Advice!
Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.
Home Credit
Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles (up to 9.34% per annum ).
Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want good income and allocates funds for a period of 12-36 months.
TRUST
This bank has a line of 10 deposits in rubles / dollars / euros, including a multicurrency one. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and replenishment / withdrawal.
MTS-Bank
Best deposits in banks in 2017: conditions and interest rates The former MBRD offers 9 deposits in rubles / dollars / euros, including multicurrency and pension. Rates in rubles from this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.
Additional 0.30% to base rate can be received by customers opening a deposit in the Internet Bank, as well as payroll clients, up to 0.40% to the rate - with a deposit amount of 4 million rubles.
Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending(Russian Standard, Tinkoff, Home Credit).
But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal etc., to make your contribution not only profitable, but also convenient in terms of using money.
source: http: //site/www.vkladvbanke.ru
The issue of preserving and increasing money is always relevant. One of the smartest and safest options is opening a bank deposit.
Warning!
Which bank and deposit to choose for the most profitable investment in 2017? What criteria, besides the interest rate, are important?
We offer current overview the best conditions for deposits in Russian banks.
What is the best deposit to open?
To begin with, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:
- Rising inflation and devaluation of the ruble.
- Decrease in the growth rate of household deposits.
- Competition between banks for depositors.
- Change in the key rate by the Central Bank of the Russian Federation
- Outflow foreign investment and the blockade of the debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
- Changes in legislation (until December 31, 2015, a privilege was in effect: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount insurance compensation on deposits from 700,000 rubles. up to 1,400,000 rubles).
Information for reference
The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take funds from them for safekeeping.
Attention!
Is the main indicator monetary policy... Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and remains unchanged until December 11, 2015. This is the fifth cut in the key rate since December 16, 2014, when it was set at 17%.
Some confusion is introduced by the concept of the "refinancing rate", which is also used when lending to private financial institutions, but since the introduction of the key rate, that is, since September 13, 2013, it has been of a secondary and reference nature, and since January 1, 2016 it is equal to the key rate, as stated in the document “On the system of interest rate instruments of monetary policy Bank of Russia ".
In addition to the above, it should be noted such a monitoring tool of the Central Bank of the Russian Federation as "Maximum interest rate of ten credit institutions attracting the largest volume of deposits from individuals", which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.
Today the Bank of Russia forms the “big ten” of the following banks:
- Sberbank of Russia;
- "VTB 24";
- "Bank of Moscow";
- Raiffeisenbank;
- Gazprombank;
- B&N Bank;
- "Alfa Bank";
- Bank FC Otkritie;
- Promsvyazbank;
- Rosselkhozbank.
This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on the official sites.
In the third decade of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions attracting the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.
Advice!
In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.
What else is useful to know about the average maximum bid? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended all private banks to exceed the indicator established during the monitoring by more than 2 percentage points (percent), since December 22, 2014 - by 3.5%, since July 1, 2015 it has allowed any increase in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).
Banks' fees for increased risk are set as follows:
- if the value of the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
- if the level of the interest rate on the deposit does not exceed the maximum rate by 2-3%, the credit institution is charged a fee at an additional rate of 0.12%;
- if the bank overestimates the lending rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.
What conclusion should ordinary investors draw from this information? If the level of profitability of a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore a private bank pays contributions to the DIA at an increased rate.
For ease of understanding, we will give an example from the previous methodology of the Bank of Russia:
- The current average maximum rate on deposits is 9.93%.
- The maximum recommended excess of the rate level is 3.5%.
- The maximum acceptable (with a marginal level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.
So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can deal either with an unstable credit institution or leading risky transactions.
For the sake of fairness, we note that at the moment all deposits in one bank in the amount of up to RUB 1,400,000 are “protected” by the Deposit Insurance Agency (DIA), therefore, the risk is assumed to a greater extent by the banking system than by the depositors.
But there is little pleasant in the thought that you may run into a bank that has had its license taken away or which has started bankruptcy proceedings. On an annualized basis, inflation in 2015 is at the level of 16%, but there are all preconditions for its significant slowdown in 2016–2017.
Having looked at the dynamics of the decrease in the key and average maximum rates on deposits, it can be assumed that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.
Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits under good interest, which in the future may not be found.
In the winter, the market has been revitalized with special seasonal products. Despite the fact that the number of interesting offers on deposits is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find the best deposit in rubles or in foreign currency, then this review will help you.
Ruble or foreign currency deposit?
The income and consumption of the overwhelming majority of Russians is ruble-oriented. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, interest rates on ruble deposits may rise, and it is advisable not to miss such a moment.
Warning!
Despite the fact that Russians traditionally consider the currency as a more stable option for saving funds, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the rates of the euro and the dollar are extremely high and the ruble has already managed to more or less stabilize.
If in the short term there is a significant strengthening of the ruble (which is possible with the weakening of sanctions or an increase in oil prices), then the foreign exchange contribution will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.
If you are not one of such people, then the contribution in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the overwhelming majority of Russians are focused on rubles, which means that they need to be saved.
Time deposit or on demand?
All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the investor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (profit from such a deposit will not even cover monthly inflation).
Time deposits are placed for a certain period, before the expiration of which the client should not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is more often placed for a year, less often - for several months.
Deposits with the longest storage period are sometimes provided with the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.
Refillable or non-refillable deposit?
Deposits are classified depending on the degree of the depositor's control over the invested funds. When opening a non-refillable deposit, any replenishment or withdrawal operations are prohibited - banks offer the most profitable terms placement of funds.
The replenished deposits allow you to add money to the account during the validity of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer top-up deposits that allow the customer to make spending and receipt transactions... As already said, Better conditions provided for non-refillable deposits.
The best deposits in rubles
At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is decreasing. Recall that in December 2016, the Bank of Russia sharply increased key rate up to 17%, thereby causing an increase in interest rates on deposits up to 21-22%.
Throughout the year, the indicator decreased: already in June 2016, the average rate on ruble deposits was 14-15%. Now the maximum yield is at the level of 12-13%.
Experts' forecasts are rather ambiguous: the majority expect a further decrease, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.
Credit Bank of Moscow provides deposits with rates ranging from 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa- Bank "- up to 10%," Raiffeisenbank "- up to 10%, Sberbank - up to 8.1%. As we can see, than larger bank, the lower interest rates on deposits he is ready to offer.
The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.
The best deposits in euros
The situation with foreign currency deposits is about the same as with ruble deposits. Average rate on deposits in euros is about 2.5-3%.
Attention!
Leading banks with high rates on foreign currency deposits, again, are not encouraging: average annual percentage is about 1.5–2.5%. For example, an option for a deposit in euros can be found in UniCredit Bank.
It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank Saint Petersburg you can count on a 2.8% rate when you open an on-line deposit for a period of 5 years in the amount of 50,000 euros or more. Interest is paid at the end of the deposit term.
Credit Bank of Moscow offers deposits from 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.
The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about the reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive conditions for deposits.
In the current economic situation, of course, it is more appropriate to focus primarily on the reliability of the bank. This will also serve to improve banking: ineffective banks will be automatically pushed out of the market. However, one should not unequivocally neglect the huge potential of the regions.
Among the regional banks there are quite solid ones with branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.
The best deposits in dollars
The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered here. At UniCredit Bank you can place a deposit of $ 20,000 or more.
Advice!
USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of B&N Bank: by placing an amount of $ 25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).
The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with such a percentage if he has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer annual rate within 2.8-3.5%.
source: http: //site/www.kp.ru
How to choose a reliable bank to open a deposit?
I think many of you ask yourself the question: "How to choose a reliable bank" when planning to open a bank account, get a loan or mortgage.
The interest in this topic is simply explained: firstly, this is another small step towards mastering the basics financial literacy... Remember, we talked about this in the article "Economy and financial literacy you need to learn"?
Secondly, this is the first small step on the way. practical application of acquired knowledge, to which I was pushed by a far from new and not at all original thought: “money should work”.
Warning!
How to do it? Start investing (everyone is talking about this now), study stock markets, follow economic situation, to compare offers of different banks?
I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with that type of investment, which, in fact, is not investment, but rather a way of accumulating funds - bank deposits.
How to choose a bank for a deposit
Why did I decide to start with this ancient and popular product? Because in our Everyday life we most often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".
We don’t feel stressed when we donate our money to the bank. And we are not afraid of losing our money, because, you must agree, the risk here is minimal.
And this does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, Pamm accounts, investments in stock market, in works of art, antiques, precious metals.
But we do not always know how efficiently our money can work in different banks... Different deposits on different terms and in different banks can bring completely different income.
Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in which currency to open a deposit and at what percentage.
There are many questions, let's go in order
The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was exacerbated by the recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.
And yet we still and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.
To save or not to save?
The accumulation of money in itself, as a process, I think, for the majority is a boring and monotonous occupation. You have to be a real Plyushkin in order to save money for the sake of money.
But if the fulfillment of what has been desired for a long time looms ahead, it is a completely different matter.
Attention!
What exactly do you want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? This truly motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.
Goals will be achieved if they are set clearly and concretely. Believe it or not, this has happened to me more than once.
Bank deposits (deposits)
So the goals are defined. And we return to our deposits again. To make it clearer, let's figure out the terms first.
What are deposits?
Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and on certain terms and conditions in order to preserve them and generate income.
These are the client's funds, which are subject to mandatory return upon the expiration of the contract or at the first request of the client. But at the time of placement on the deposit, they are controlled by the bank.
This is a very popular banking product that emerged almost at the same time as banking system... Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.
What are the deposits?
In fact, there are a lot of types of deposits that are offered by banks, each of which has its own characteristics, pros or cons.
But basically, deposits are divided into three main groups, depending on:
- from the term of the deposit - deposits "on demand" and time deposits
- from the possibility of replenishment - rechargeable and non-rechargeable
- from the type of deposit currency - deposits in rubles, foreign currency or multicurrency deposits.
From the term of placing money in the bank.
What is the difference between term deposits and demand deposits? On term deposits that are placed for a specific period (from 1 month to several years), interest is paid after the specified period.
If the client withdraws his money before the end of the term stipulated by the agreement, then the bank can return in full only the initial amount of the deposit, while the interest on the deposit can be partially charged.
Some banks, upon early termination of the agreement, can return the fully accrued interest, but usually low interest rates on such deposits.
Advice!
On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and the interest rates on them are much lower than on time deposits.
Refillable and non-refillable deposits
Everything is clear here. If the deposit is replenished, then this means that additional amounts can be made to the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.
If the deposit is non-refillable, the initial deposit amount cannot be increased, and interest will be calculated only on it.
In what currency to open a deposit?
In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.
The peculiarity of multicurrency deposits: on one account, you can place several amounts in different currencies, for each of which a different percentage will be calculated.
It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.
How to choose the most profitable investment?
What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary remuneration that the client receives for providing the bank with his funds for use).
Interest on bank deposits
First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (urgent or "on demand" ), capitalization and some other factors, which we will talk about later.
Warning!
Let's make a reservation right away that very high interest rates on deposits are not always a sign of a good bank.
Usually, after the conclusion of the agreement, the bank cannot unilaterally change the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).
How is interest calculated on deposits?
- The first option: at the end of the term of the deposit, interest is charged on the original amount.
- Second option: interest is paid at regular intervals (regular payments), for example, once a month or quarter. In this case, the interest is transferred to a plastic card or other account.
- The third option: capitalization of interest on the deposit.
This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be charged on a larger amount.
This method of paying interest is sometimes called " compound interest»And can be performed once a month, once a quarter, once a year or in connection with the expiration of the contract.
Attention!
As already noted, deposits with capitalization usually have a lower interest rate, but the income may be higher.
And a few more concepts that need to be understood when referring to bank deposits.
Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placement of a deposit for a new term without the participation of the client.
If there is no prolongation, the funds (principal plus accrued interest) will be transferred to the client's account, and no interest will be charged from that moment.
In order to resume their accrual, you need to come to the bank and open a new account. However, you need to take into account that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.
To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes you may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.
Profitable deposits in 2017
So, we found out what deposits are, how interest is calculated and what are the conditions for various contributions... And also figured out that the interest rate, which fluctuates mainly from 3 to 10 percent, depends on many factors.
Banks rating
The goal you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you prefer (term, currency, interest rate and other conditions).
Someone wants to make a profit at any cost at the expense of high interest, ignoring possible risks and losses. Someone more satisfied low rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, reliability are important.
You can often find good offers in banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks arrange for a short time on some occasion.
Advice!
For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit with a lower interest rate.
But in general, this method of investment, which includes bank deposits, is not the most profitable option today. The size of the rates has been significantly reduced compared to what it was for a couple of years. And to find, for example, a deposit at 10% per annum, you need to try very hard.
And you need to understand that there is such a rule: how more bank offers opportunities for a deposit (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.
Where and how to find information about banks?
There are a lot of banks that offer us their services in our country. And sometimes the search for a suitable bank can take a long time. I hope these simple tips will help you navigate this issue.
One of the ways to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly composed of such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.
Large international agencies (Fitch, Moody’s and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.
You can also draw certain conclusions by reviewing the bank's credit reporting, which is published on the Central Bank website or on the Bank of Russia website. But to understand these reports, perhaps, only a specialist can do it. We, ordinary clients, can try our luck on the Banki.ru portal, where information is presented in a more accessible form, which can be understood even by a non-professional.
Warning!
The bank's reliability is determined by its financial performance... For analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current month.
A sign of the bank's reliability and stability - large assets at the moment and their increase in comparison with previous periods. It also testifies to the reliability of the bank, the amount of its own funds(authorized capital).
According to news agency Finmarket, as of March 1 (the list has not changed as of April 1), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank, Bank Vozrozhdenie ", CB" Vostochny ", VTB, CJSC" VTB24 ", GPB, MDM Bank, MInB, Moskovsky credit bank, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, JSB Rossiya, Sberbank RF, Svyaz-Bank, KB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HCF-Bank , UniCredit Bank.
The need to assess the reliability of the bank based on the analysis of reporting, paying attention to criteria such as deterioration or violation of the standards that are mandatory for a banking organization (which may lead to the revocation of the license), unpaid own payments and difficulties encountered in paying off their own debts, high cash turnover, which is significant exceed the bank's assets and do not have business case, on significant investments in mutual funds and shares (this may serve as a signal that the bank will have big problems in the near future), on any sharp decrease in balance sheet indicators without justified explanations.
Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which at least partially will help reduce the level of risks.
2. By the size of the bank. To large federal and regional banks the expression “Too big to fail” is almost 100 percent applicable. Information about their assets, which testifies to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.
3. Bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.
4. The drop in ratings which can be downgraded by rating agencies. The fact that credit institutions do not have a rating is also alarming (which may indicate the bank's unwillingness to provide information to rating agencies, trying to hide something negative).
5. At high rates on deposits. Inflated rates, which are significantly higher than the average level, or their sharp increase may be an indication that the bank does not have enough of its own funds. And, trying to attract more customers through more profitable, at first glance, offers, credit institution trying to pay off his debts. This could be an indication of an increased risk.
How to understand if this rate is too high or not? In this case, one can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions that attract the largest volume of deposits from individuals, published by the Central Bank. In March, the maximum rate on deposits was 8.35%.
6. To change the work schedule. Reduction of the bank's working time (reduction of the number of working days and the period of work during the day), reduction of personnel - all this can serve as indirect signs of problems that have arisen in the bank.
7. For problems encountered when conducting monetary transactions(for example, delays in withdrawing cash, closing deposits, quality of service), as well as massive closing of accounts by bank clients. You can find out about this from reviews on various forums.
Deposit insurance - additional security measures
What will happen to our deposit if, nevertheless, we made a mistake, and our bank went bankrupt or its license was taken away?
This question worries all investors. In the case of bank deposits, you should not be afraid for your savings if they do not exceed the amount of 700,000 rubles.
Since October 1, 2008, a system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for clients. If such a nuisance occurs and your bank is closed, within 14 days after the occurrence insured event you will be refunded the amount of the deposit.
Deposit insurance system
In one bank maximum amount compensation will amount to 700,000 rubles for all deposits. This point is worth paying special attention to.
That is, if you have several accounts opened in one bank for a total amount, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.
For example, putting in two banks 500,000 rubles each, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.
But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.
A government bill on increasing deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).
So how do you choose a reliable bank?
Before entrusting your money to this or that bank, be sure to check if the bank belongs to Russian system deposit insurance. It is easy to do this: you can now find information on any bank on the Internet.
Warning!
First, select all banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.
From this list, choose the deposits with the highest interest rates, after making a comparative analysis of profitability in different banks. The more you study the offers on deposits and deposits, the more chances you have to find the best option.
Find out if the bank provides fees and commissions for any Additional services(for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of premature termination of the contract.
Read the contract carefully! Optimal solution, in my opinion: the reliability of the bank and a relatively high percentage. But at the same time, do not forget that sometimes for excessive high rate there are big problems of the bank, which it is trying to solve at our expense.
A sensible approach, careful analysis and deliberate decision-making will allow you to make the right choice. But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.
The best deposits are those that bring the highest income and offer favorable conditions. The choice of conditions depends on the goals set: investment, accumulation or preservation. The advantage of keeping money in banks is the constant increase in the money supply, the intensity of which exceeds the inflation rate. Term bank deposits are limited to certain storage periods from several months to several years.
Conditions and options by which you can make a choice:
- % rate;
- the possibility of making contributions throughout the year;
- monthly capitalization;
- the currency in which you make the purchase;
- auto-renewal - the terms of the contract continue to be fulfilled, even if at the end of the term you do not take the money;
- convenient term.
Investments can be made in rubles, dollars, euros and other currencies.
The Creditznatok service will allow you to find the most profitable deposits in the city. Using a simple spreadsheet, you can quickly compare interest rates across banks in Moscow and filter out unnecessary offers. The site contains the following information:
- title;
- interest rate;
- the amount of the deposit;
- term;
- currency.
Urgent placements
A term deposit in a bank is a bank deposit with a certain shelf life. The established interest rates on deposits allow the depositor to receive income from funds generated in the course of financial transactions of the bank with his money. In this case, interest is issued only together with the invested money at the end of the contract. If you urgently need money, and you decide to withdraw it, you will have to pay a fine, and the percentage will drop to a minimum value.
Urgency allows banks to plan the use of funds, so they offer the best interest rates for urgent investments. At the time of investment, an agreement is concluded in which all the nuances are fixed: the amount, term of the deposit, currency, withdrawal conditions, interest rate, etc.
Interest is accrued in different ways:
- by the formulas of simple interest;
- by the formulas of compound interest;
- using a fixed or floating rate.
How to choose a bank?
"Creditznatok" will help you quickly find profitable interest rates on deposits in banks and consult with experts online - this saves a huge amount of time at the stage of choosing your bank. Look for profitable deposits in banks with us quickly and as conveniently as possible.
DeloBank is an online branch of SKB-Bank. It offers services for businesses. We will tell you about how to open a checking account with DeloBank in the article.
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New Product
Bank Rossiya presents the Spring Mood deposit
The clients of the Rossiya Bank got the opportunity to apply for the seasonal deposit “ Spring mood»Yield up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be made for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.
06 March 2020Changing rates
Energobank has revised the conditions for deposits
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18 Feb 2020New Product
Expobank presented its contribution "Bright Winter"
The range of Expobank's deposit services has been supplemented with a seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on the funds placed: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. The minimum amount to be placed within
10 Dec 2019Changing rates
Sovcombank has revised rates on mortgages, on deposits and on the Halva card
A mortgage in Sovcombank can now be obtained at a rate of 8.69% per annum. The amount of the housing loan is no more than RUB 30 million (may be increased by individually). Loans are provided for up to 30 years. It is possible to arrange a loan for two documents. Loan application considered within 1 business day.
19 Nov 2019New Product
Roscosmosbank introduced new deposits for individuals
Roskosmosbank clients can use two new deposit programs of a financial institution. The Comfort deposit in the Head Bank and in the Cosmodrom-Plesetsk branch can be arranged on the following conditions: The minimum amount of placement is 30 thousand rubles or 500 dollars / euro. The deadline for placing funds is 365 days maximum
11 july 2019Banking discussions
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03 May 2019New Product
Renaissance represents the contribution of the "Double Benefit"
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01 Apr 2019Actual
Last year, in order to attract depositors, some Russian banks set favorable conditions and then “tightened the screws”. This practice attracted the attention of supervisory authorities - the Central Bank and the FAS, which have prepared a joint letter with warnings for credit institutions. Anti-monopoly authorities and the regulator find it wrong
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- Online courses for accountants, distance accounting courses online, online training for accountants Accounting for cash transactions and transactions with accountants