High rates on deposits. Which bank has the most favorable conditions for deposits and a high percentage of the deposit?

In 2019, deposits for 3 months are becoming increasingly popular. This is partly due to the difficult period that the Russian economy is going through today. Not many people are now ready to plan their income and expenses for the long term, and therefore prefer short-term investments.

Bank deposits with interest for 3 months are a good way to invest money, so you can get maximum income and not part with your funds for a long time.

What deposit should I make for 3 months to get the maximum interest?

This page contains the most profitable short-term deposits for a period of 3 months, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is structured in the form of a rating from the highest percentage to the lowest. Everyone can compare conditions and rates to choose the most suitable product.

Deposits for 3 months at maximum interest rates in large banks

Credit Bank of Moscow

MEGA Online deposit

Without capitalization / Payment of interest monthly / Without partial withdrawal / Replenishment

Rosselkhozbank

Deposit "Profitable online"

No capitalization / Interest payment at the end of the term / No partial withdrawal / No replenishment

FC Otkritie

Deposit "Reliable"

Sovcombank

Convenient deposit

Without capitalization / Payment of interest at the end of the term / Without partial withdrawal / Replenishment

Alfa Bank

“Victory+” deposit

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit "Profitable"

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit calculator for 3 months

Conclusions: why today it is profitable to open deposits for 3 months

Short-term deposits today are becoming increasingly in demand among the population in Russia. This is partly due to the fact that people do not always have the need to place savings in a bank for a year or longer. Some, for example, starting in winter, save money for a summer vacation. Others specifically choose short-term savings programs, trying to form a so-called “ladder of deposits.”

In addition, a number of experts note that during periods of market instability, short-term deposits for 3 months may be the best option for investing savings. After all, in this way you can minimize inflation risks and get a good income.

Are bank deposits insured for 3 months?

Yes. Individuals' funds held in bank deposits and accounts, including foreign currency ones, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the rate established by the Bank of Russia on the day the insured event occurred.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and the DIA (www.asv.org.ru), as well as via the free DIA hotline 8-800-200-08-05 .

Please note that the above conditions and interest rates of deposits for individuals are not a public offer and cannot serve as an indication for choosing a specific deposit. This list is not the basis for unambiguous conclusions about the reliability and (or) financial stability of these banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions made based on it.

When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have 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 in the country were used in order to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase 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.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires 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.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. 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 signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount 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.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms 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 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust - 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers a special program for people of retirement age. An account is opened with a minimum of 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 deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a 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 placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible 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.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.

Perhaps everyone who is thinking 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 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.

Attention: the most up-to-date information on current rates and conditions - (updated weekly).

As you know, the state Deposit Insurance System guarantees each depositor of a bank participating in 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.

1. The most reliable bank is not only a large bank, but also the least risky. Lending institutions with state participation are least prone to risk - and our people are accustomed to trusting the state somewhat more than private business. It is no wonder that it is banks with state participation that lead the ratings in all respects, including the volume of funds raised on deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or 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, VTB.
2. Private banks from the Top 50 are the choice of people who, trusting private capital to a greater extent, prefer high income on deposits. The fact is that these banks vigorously issue loans at not the smallest interest rates, due to which they can attract deposits at a high interest rate (higher than competitors with state participation). Among the most popular banks in this group we can mention Home Credit Bank, Russian Standard, and MTS Bank (places from 18th to 38th in the ranking of Russian banks). Now let’s look at what the banks mentioned above offer their depositors in February 2019 .

Sberbank

Perhaps this is the first bank that almost every Russian thinks about out of habit. Now Sberbank:

1 seasonal deposit “Catch the Profit” - from 7.1% to 7.65% per annum;

8 time deposits in rubles and dollars (up to 5.75% on the “Save” deposit in rubles);
- 6 deposits for owners of the “Sberbank First” and “Sberbank Premier” service packages - “Leader Save”, “Leader Replenish”, “Leader Manage” and “Special Save”, “Special Replenish”, “Special Manage”. Rates in rubles - from 4.70% to 6.85%, in US dollars - from 0.90% to 3.40%, in euros - 0.15% -1.0%.

3 online deposits in rubles and dollars (rates are higher than on time deposits, on average by 0.25%);
- 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 replenishable and non-replenishable deposits is possible, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “achievable” for any person.

VTB

This bank offers several deposits on different conditions (we can say that VTB’s are about the same as Sberbank’s):

Seasonal deposit “Time of Growth”, opened until April 30, 2019 for 180 and 380 days, with a maximum rate of 7.60% (if opened online - 7.70%). For purchases over 75,000 rubles on the VTB Multicard, the deposit rate may increase to 9.2% per annum.

3 deposits opened in bank branches - Comfortable, Savings and Profitable at rates from 2.50% to 7.16% per annum in rubles, from 0.01% to 3.56% in US dollars, in euros - 0.01 % -0.96%.

3 deposits opened remotely in Internet banking - Comfortable-online, Saving-online and Profitable-online at the same rates, but with a lower initial investment amount.

Savings deposit with flexible terms in rubles. VTB Multicard owners have the opportunity to open a Savings Account at rates from 4% to 8.5% per annum, and the interest rate depends on the monthly amount of purchases on the Multicard.

Gazprombank

This bank has a variety of deposit offers: there is an investment deposit, including investments in mutual funds (up to 8.2%), savings deposits for various purposes in rubles (up to 8.0%), dollars (up to 3.25%) or euros (up to 0.40%). A deposit for pensioners is also offered at 6.8%-7.5% in rubles, 1%-2.05% in dollars and 0.01%-0.35% in euros. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rates - up to 8.55% in rubles, 4.50% in dollars), 2 pension savings programs (up to 6.85%). Some deposits are standard savings accounts, the maximum rate for which reaches 6.45% in rubles, 3.40% in dollars, 0.65% in euros. The interest rates here are higher compared to some other banks, and the placement conditions are wider - interest at the end of the term or monthly, with/without replenishment, with partial withdrawal/without withdrawal, that is, for every taste.

Russian standard

This bank offers 6 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 6.0% ("Universal") to 7.5% per annum ("Maximum Income +", "Pension!"), and in foreign currency - up to 1.0% on the "Maximum Income" deposit . Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is the logical “payment” of the investor for high income.

Home Credit

Home Credit offers: two foreign currency deposits: up to 2.50% in US dollars and up to 0.5% in euros, several ruble deposits with different conditions: from 5.5% to 8.0% per annum, 2 deposits for pensioners can be opened in Russian rubles (from 6.2% to 7.7% per annum), another deposit in rubles can be opened at 7.7% per annum, with an amount of 1 million rubles. There are options for capitalization, partial withdrawal and replenishment by a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 2 to 24 months.

MTS-Bank

MTS Bank offers 9 deposits in rubles/dollars/euro, including investment and pension. Rates in rubles for this bank range from 5.0-7.8%, and in foreign currency - from 0.01% to 3.30% per annum. You can choose a deposit with the most flexible conditions at a good interest rate. An additional 0.25% to the base rate can be received by clients opening a deposit in the Internet bank, as well as salary clients - with a deposit amount of 50,000 rubles or more.

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 high interest rates 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 very carefully study the conditions regarding replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

Updated February 2019.

Each person saves money for different purposes. However, what many people don't realize is that keeping your 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, people often do not restrain themselves and spend money. However, deposits in Moscow will help you not only preserve your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike the stock or precious metals market, you do not need special knowledge or constant analysis of the economic situation. You simply find a suitable offer and sign the contract. Moreover, in most organizations there are no restrictions on minimum contributions, and if there are any, they are small.

The contract itself is very important, so you need to familiarize yourself with the text in person before signing it. To do this, ask the bank employees to provide 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 include conditions that are unfavorable 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 a compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. 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 period of time. 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. Moreover, this type of deposit is divided into savings and accumulative, which is intended for periodic replenishment (popularly called a “piggy bank”).

The second option - on demand - comes at a low rate. The thing is that it is not profitable for an organization to keep finances for itself, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and potential profits are of little interest to them.

Online assistant

On the website you will find current products on the market. Reliable information is collected here, which our specialists check and update daily. By comparing services according to their main parameters - and this is the interest rate, opening cost and commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, successfully operating for more than ten years.

Only a few banks offer high-interest deposits in Moscow. Some make such an offer to attract new clients, others - to maintain their positive reputation. The largest contribution will bring the maximum profit. But this can only happen if several conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the end of the contract;
• the client belongs to the preferential category.

High interest rates on deposits are possible within the framework of the programs. They also receive maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

With a high percentage in Moscow, citizens can open both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:

• minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high indicators of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find bank deposits with high interest rates in 2019. For convenience, we offer a comparative table with current information and a calculator for calculating possible profits. The data is updated regularly to ensure our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.