The depositor placed on deposit in the bank 10. Calculation of annual interest
A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.
Moscow bank deposit rates
Since the interest on deposits in Moscow largely determines how much the deposit will be added to the initial one, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.
Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:
- term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
- termless or short - term deposits are usually accompanied by lower deposit rates in Moscow banks .
Thus, if you want to open a deposit at high interest, then try to correctly plan your budget in order to be ready to comply with certain restrictions:
- a ban on closing a bank deposit in Moscow ahead of schedule;
- prohibition on partial withdrawal of funds placed on the deposit.
Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.
In addition, you can choose the period of interest payments. There are several options:
- daily;
- once a week;
- once a month;
- once a quarter;
- only at the end of the term.
All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.
In which bank of Moscow is it better to open a deposit?
In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.
To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.
The deposit calculator on this page will help you quickly get all the necessary information on current deposits:
- Enter your deposit requirements.
- Get a complete list of current deposits in Moscow banks for today updated.
After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.
Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.
The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.
The best interest on deposits in banks
Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.
The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.
To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.
"My income" (Promsvyazbank)
Terms:
- currency - rubles;
- the minimum amount is 100,000 rubles;
- terms and interest:
- at 91 days - 6.6%;
- for 181 days - 6.7%;
- for 367 days - 6.7%.
Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, favorable conditions will make the process quick and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.
Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.
"Maximum income" (Moscow Credit Bank)
Terms:
- the minimum amount is 1000 rubles; $100; 100 euro;
- terms and interest for deposits in rubles:
- for 95 days - 5.75%;
- for 185 days - 6.25%;
- for 370 days - 6.75%.
- for 95 days - 0.75%;
- for 185 days - 1.10%;
- for 370 days - 1.45%.
- for 95 days - 0.01%;
- for 185 days - 0.20%;
- for 370 days - 0.55%.
According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.
In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.
"Maximum income" (Sovcombank)
Terms:
- currency - rubles, dollars euro;
- the minimum amount is 30,000 rubles; $5,000; 5000 euros;
- terms and interest when opening a ruble deposit in the office for up to 1 year:
- upon termination within 31–90 days - 6.6 / 7.6% (Halva card);
- upon termination within 91–180 days - 7.0/8.0% (Halva card);
- upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);
- upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).
- terms and interest when opening a ruble deposit in the office for up to 3 years:
- upon termination up to 90 days - 6.8 / 7.8% (Halva card);
- upon termination up to 180 days - 7.2 / 8.2% (Halva card);
- upon termination up to 365 days - 6.8 / 7.8% (Halva card);
- upon termination up to 730 days - 6.0 / 7.0,% (Halva card);
- upon termination up to 1095 days - 6.0/7.0% (halva card).
- terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
- upon termination within 31–90 days - 6.6%;
- upon termination within 91–180 days - 7.0%;
- upon termination within 181-270 days - 6.6%;
- upon termination within 271-365 days - 6.6%.
- terms and interest when opening foreign currency deposits:
- in US dollars for 271–365 days - 1.55%;
- in US dollars for 1095 days - 3.00%;
- in euros for 271–365 days - 1.00%.
Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.
"Reliable" (Opening)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;
- terms and interest:
- for ruble deposits for 91 or 191 days - 6.42–7.30%;
- in US dollars for 91 or 181 days - 0.20–0.80%;
- in euros for 91 or 181 days - 0.10%.
The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.
"Maximum Interest" (Binbank)
Terms:
- currency - rubles, dollars, euros;
- deposit term - from 3 months to 2 years;
- the minimum amount is 10,000 rubles; $300; 300 euros;
- terms and interest for ruble deposits:
- when opening at a bank branch - 6.10-7.30%;
- for individuals (pensioners) - 6.25-7.45%;
- when opening via the Internet - 6.30-7.50%.
- terms and interest for deposits in US dollars:
- when opening at a bank branch - 0.55-1.65%;
- for individuals (pensioners) - 0.55-1.65%;
- when opening via the Internet - 0.55-1.65%.
- terms and interest for deposits in euros:
- when opening at a bank branch - 0.01%;
- for individuals (pensioners) - 0.01%;
- when opening via the Internet - 0.01%.
During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.
"Profitable" (Rosselkhozbank)
Terms:
- currency - rubles, dollars;
- terms of deposit opening - from 31 to 1460 days;
- the minimum amount is 3000 rubles; $50;
- interest rate for ruble deposits - up to 6.70%;
- interest rate for deposits in US dollars - up to 2.45%.
One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.
Profitable (VTB 24)
Terms:
- currency - rubles;
- minimum amount:
- when opening an online deposit - 30,000 rubles;
- when opening a deposit in a bank branch - 100,000 rubles.
- terms and interest when opening a deposit in a bank branch:
- for a period of 3–5 months - 6.20/6.23%;
- for a period of 6 months - 6.20/6.28%;
- for a period of 13–18 months - 5.90/6.15%;
- for a period of 18–24 months - 5.70/6.02%;
- terms and interest when opening a deposit online:
- for a period of 3–5 months - 6.60/6.64%;
- for a period of 6 months - 6.60/6.69%;
- for a period of 6–13 months - 6.15/6.23%;
- for a period of 13–18 months - 6.10/6.29%;
- for a period of 18–24 months - 5.90/6.15%;
- for a period of 24–36 months - 5.70/6.02%;
- for a period of 36–61 months - 3.10/3.25%.
This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.
Pobeda+ (Alfa-Bank)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 10,000 rubles; $500; 500 Euro;
- interest rates:
- in rubles - 5.5–6.23%;
- in US dollars - 0.35–2.38%;
- in euro - 0.01–0.20%.
You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.
Savings (Gazprombank)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 15,000 rubles; $500; 500 Euro;
- terms - from 3 months to 1097 days;
- interest rates for ruble deposits:
- for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;
- for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
- for an amount from 1,000,000 rubles - 6.0–6.4%;
- interest rates for deposits in US dollars:
- in the amount from 500 to 10,000 dollars - 0.30–1.40%;
- in the amount of $10,000 or more - 0.40–1.50%;
- interest rates for euro deposits:
- for amounts from 500 to 10,000 euros - 0.01%;
- in the amount of 10,000 euros - 0.01%.
A long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.
"Replenish" (Sberbank)
Terms:
- currency - rubles, dollars;
- the minimum amount is 1000 rubles; $100;
- terms - from 3 months to 3 years;
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
- for 3–6 months - 3.70/3.71%;
- for 6–12 months - 3.80/3.83%;
- for 1–2 years - 3.60/3.66%;
- for 2–3 years - 3.45/3.63%;
- for 3 years - 3.45/3.63%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
- for 3-6 months - 3.85 / 3.86%;
- for 6–12 months - 3.95 / 3.98%;
- for 1–2 years - 3.75/3.82%;
- for 2–3 years - 3.70/3.83%;
- for 3 years - 3.60/3.80%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
- for 3-6 months - 3.45 / 3.45%;
- for 6–12 months - 3.55/3.58%;
- for 1–2 years - 3.55/3.58%;
- for 2–3 years - 3.30/3.41%;
- for 3 years - 3.20/3.35%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
- for 3–6 months - 3.60/3.61%;
- for 6–12 months - 3.70/3.73%;
- for 1–2 years - 3.50/3.56%;
- for 2–3 years - 3.45/3.57%;
- for 3 years - 3.35/3.52%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
- for 3-6 months - 0.25%;
- for 6–12 months - 0.55%;
- for 1–2 years - 0.85%;
- for 2-3 years - 0.95%;
- for 3 years - 1.05%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- for 3–6 months - 0.05%;
- for 6–12 months - 0.20%;
- for 1–2 years - 0.50%;
- for 2-3 years - 0.60%;
- for 3 years - 0.70%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.25%;
- for 1–2 years - 0.60%;
- for 2–3 years - 0.70%;
- for 3 years - 0.80%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.30%;
- for 1–2 years - 0.65%;
- for 2-3 years - 0.75%;
- for 3 years - 0.85%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $100):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.
Advice: find out which financial institutions are in today.
How to calculate the return on a deposit?
Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.
The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, where
- N - the initial amount of the contribution;
- P is the interest rate;
- d - calendar days after which new interest is charged (usually 30 or 31 days);
- D - 365 or 366 days a year, depending on the current year;
- n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).
Common mistakes when choosing a deposit
Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.
First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.
Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.
Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.
Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.
Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.
Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.
Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.
Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.
This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.
Summing up
Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.
Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.
Putting money in the bank and getting interest is the easiest and most affordable way to not only save your savings, but also increase them. In this article, we will talk about how to best manage your money in today's unstable economic environment by opening a bank deposit at 10% per annum.
Sberbank, VTB 24, Gazprombank and other financial market leaders guarantee the safety of deposits, however, the interest on deposits in these banks is not too high. The maximum that an investor can count on is 6-7 percent of annual income.
In the conditions of current inflation, such interest does not even ensure the preservation of the value of the deposit itself, not to mention the receipt of any profit. At the same time, banks operate on the Russian market, where it is really possible to place money at 10% per annum. In the table, we selected ten proposals:
Name of the bank
Programs | Interest rate | Min amount | Term |
Russian International Bank Deposit "Profitable Classics" | Up to 10.50% | 3,000,000 rubles | From 31 days |
Tempbank Deposit "Ten" | 10% | 100 000 rubles | 367 days |
NovakhovCapitalBank Deposit "Novakhov Club" | 9,70% | 50 000 rubles | From 351 days |
International Bank of St. Petersburg Investment "Investment in the future" | Up to 9.75% | 250 000 rubles | From 31 days |
Prime Finance Deposit "Classic" | Up to 9.75% | 30 000 rubles | From 91 days |
Loco-Bank Deposit "Income Strategy" | Up to 10.5% | 100 000 rubles | 300 days |
Absolut Bank Deposit "Absolute maximum +" | Up to 9.75% | 30 000 rubles | From 91 days |
Bank Trust Contribution "Own people" | Up to 9.40% | 30 000 rubles | From 91 days |
Yugra Deposit "Maximum" | Up to 9.40% | 1,500,000 rubles | From 61 days |
FC "Opening" Premium deposit | Up to 9.25% | 50 000 rubles | From 91 days |
It is clear that the banks in our table do not occupy high lines in the ratings, however, you can invest money with sufficient confidence, since these credit organizations are members of the system. When opening a deposit, we recommend that you take into account that the state insures an amount of up to 700 thousand rubles. Interest on the deposit is included in the amount of insurance compensation.
Here are some more profitable banking offers for deposits:
Is it possible to know in advance if the bank will close?
Can. As well as many other things. Before signing an agreement on opening a deposit, we advise you to go to the portal of the Central Bank of the Russian Federation and familiarize yourself with the list of credit institutions that are candidates for license revocation. There you will also receive detailed information about the bank. In addition to the official website of the Central Bank, you can look at the interesting resource banki.ru, where you will learn not only the history of the selected bank, get acquainted with its current offers, but also find out what customers think about the organization.
Subtleties of the contract
Having decided on the reliability of the bank, you need to study the deposit proposal. 10 percent is not a little, but there are many pitfalls that it is better to know about in advance. The deposit agreement provides for a number of conditions, the presence of which makes it either beneficial for you or not. Monthly interest payments, capitalization, early withdrawal, various penalties - this is what you should pay attention to before entrusting money to the bank for a long time.
By the way, we do not recommend making this period too long. When dealing with a little-known bank, it is better to play it safe and not invest for a long time. Especially if the bank fines you for early termination of the contract. In individual credit institutions, the following clause may be included in the agreement:
“In case of early withdrawal of the deposit, during the first 100 days of the agreement, interest is recalculated at the rate of the deposit “on demand”, according to the Bank's tariffs in force at the time of termination of the agreement.”
Let us clarify that in this case the rate will be equal to 6% instead of the declared 10.25%. This example clearly illustrates that you should be careful when reading the terms of the agreement with the bank. The issue of early withdrawal of funds should also be discussed before opening an account.
In order for the deposit to turn out to be profitable, and at the same time you do not have to conclude an agreement for a period of more than six months or three months, we recommend that you look at the seasonal offers of banks. It is for such periods that seasonal offers with the highest interest rates operate.
Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.
Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.
The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").
The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.
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Are you interested in the possibility of making a deposit in 2019 at 10% per annum? Such proposals do exist, and all of them will be considered in this review.
Features of cash deposits (deposits)
Today, dozens of different ones are available. Traditionally, bank deposits are considered to be the easiest and most reliable way to increase savings. In the 1st and 2nd quarters of the current year, there was a maximum boom in relation to such a banking product as a deposit. Russians try not to spend the money they earn right away, but to save it for the future.Even before signing the contract, pay attention not only to high interest rates, but also to the reliability of the organization. Cases when one-day banks collected deposits and then ceased their activities are quite common. In order not to be in a similar situation, first read. Be sure to find out if the institution cooperates with the DIA (if so, your deposit will be insured by the state). It is mandatory by law. Therefore, depositors of hundreds of banks are protected.
Banks offering deposits of 14% per annum and above may be in doubt. Even if the leaders of such an organization are conscientious employees, they are pursuing a risky policy. As a result, this can lead to the fact that the institution will lose the license, and the client - his money. You can agree to such conditions only if the deposit amount is not more than 1.4 million rubles, and the bank cooperates with the DIA. This guarantees a 100% refund.
The TOP of reliable banks include, and. Therefore, it is not surprising that they have the most contributors.
Conditions in all banks are approximately the same. Withdrawal will be available either at the end of the term or every month. The interest rate depends on the period of the deposit, capitalization, the possibility of registering for a third party and the terms of termination.
To get started, go through all the existing proposal. Even 10% is considered a fairly high interest rate. Pay attention to such items as: interest payment, the possibility of early withdrawal, capitalization, commission, penalties. Please read the entire contract before signing. Ask questions to a banking consultant.Which banks offer deposits with the highest interest rates?
One of the main disadvantages of cash deposits is the low interest rate. And in order to get high interest on the money invested, you need to choose a comprehensive program. To date, such a program is -.Investment deposits differ from traditional deposits in that part of the money is directed to investments in mutual funds, investment life insurance, and securities. And the second part is intended for ordinary accumulation. The following companies are ready to offer high interest deposits:
Name of the bank | Minimum deposit amount (in rubles) | Minimum placement period (days) | Maximum rate (%) |
Bank Rosgosstrah | 100 000 | 91 | 8,5 |
Sberbank | 100 000 | 31 | 12 |
Gazprombank | 25 000 | 91 | 9,1 |
Russian standard | 30 000 | 180 | 12 |
Rosselkhozbank | 50 000 | 180 | 8,75 |
VTB 24 | 350 000 | 180 | 11,75 |
ATB Bank | 167 000 | 182 | 10,5 |
Promsvyazbank | 50 000 | 184 | 9 |
Renaissance | 100 000 | 181 | 9,25 |
Binbank | 50 000 | 270 | 12 |
Uralsib | 50 000 | 181 | 9 |
Rosbank | 100 000 | 92 | 9,2 |
How interest is calculated
Bank employees must calculate the interest due to the client for placing money. The calculation takes place annually. Payment is made as specified in the contract - every month, every 3 months or every year.Accrual can be carried out either with capitalization or without it. In the first case, the amount of money is transferred to the main account. That is, the body of the contribution increases, and therefore the accrued remuneration also grows. So even with the same rates, the income in the end can be different.
So in 2019, there are many interesting programs available, according to which it is possible to make a deposit at 9-10% per year. Do not forget about the promotions that regularly operate in banks and allow you to count on more favorable conditions.