Investments are profitable with a high interest rate. Top banks by deposits in Russia

Reliable banks with high interest on deposits Glad to see you again! The other day King's new book came out, so I, as an avid reader, 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 pages 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.

High interest deposits - which banks have higher interest rates?

Perhaps everyone who is thinking about investing money is looking for a deposit at a high percentage. 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. 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 is what a potential contributor needs to remember.

Warning!

The most reliable bank is not only the largest bank, but also the least risky one. Lending institutions with the participation of the state are the least inclined to risk - and our people are used to trusting the state somewhat more than private business.

No wonder that it is the banks with state participation 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 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, more trusting in private capital, prefer a high return on deposits. The fact is that these banks vigorously issue loans at not the smallest interest rate, 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, one can mention Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of Russian banks). Now let's look at what the banks mentioned above offer their depositors by the beginning of the new year, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank currently offers the following deposits:

• 8 time deposits in rubles, dollars or euros (from 2.3% on the "Savings account" to 6.49% on the "Save" deposit in rubles);
• for wealthy clients who prefer other currencies - the "International" deposit (in British pounds, Swiss francs and Japanese yens - at 0.01% per annum);
• 3 deposits for owners of Sberbank First and Sberbank Premier service packages - Special Save, Special Replenish and Special Manage 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 term deposits, on average by 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.

It is possible to choose replenishable and non-replenishable deposits, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “on the shoulder” for any person.

VTB 24

This bank offers 10 deposits on various terms (we can say that they are about the same for VTB 24 as for Sberbank):

1. 3 deposits opened in bank branches - Comfortable, Accumulative and Favorable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3. 3 deposits on special terms for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
4. 1 savings deposit with flexible conditions at 0.01 - 8.50% in rubles.

Gazprombank

This bank has a total of 7 deposits: 1 investment, including investments in mutual funds (up to 9.70%), 5 savings deposits for 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 remaining 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 placement conditions are somewhat tougher (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new "Seasonal" deposit, which can be opened until January 31, 2017 for 400 days, assumes 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% on ruble accounts, up to 1.61% on dollar accounts and 0.01% on euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings ruble account (up to 5%) and special offers for privileged clients.

We can say that deposits in this bank are beneficial primarily to a client with a large amount or who wants flexibility in replenishing / withdrawing funds. When opening deposits via the Internet or an ATM, 0.3% is added to 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 plenty to choose from. Rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.

Advice!

Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is a logical "fee" 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 a good income and place funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles/dollars/euro, including multicurrency. 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 deposits/withdrawals.

MTS Bank

Best bank deposits in 2017: conditions and interest rates The former IBRD offers 9 deposits in rubles / dollars / euros, including multi-currency and pension. Rates in rubles from this bank lie 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 the base rate can be received by clients 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 put money on deposit 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. High-interest deposits 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., in order to make your deposit not only profitable, but also convenient in terms of using money.

source: http://website/www.vkladvbanke.ru

The issue of saving and increasing funds is always relevant. One of the most reasonable and safest options is to open 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 an up-to-date overview of the best conditions for deposits in Russian banks.

What deposit is better to open?

To begin with, let's try to conduct a small educational program in order to figure out what the level of interest rates in banks depends on. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:

• Rising inflation and devaluation of the ruble.
• Decline in the growth rate of household deposits.
• Competition between banks for depositors.
• Change of the key rate by the Central Bank of the Russian Federation
• The outflow of foreign investment and the blockade of the debt market, that is, the lack of liquidity and funding (raising funds from organizations).
• Changes in legislation (until December 31, 2015, there was a benefit: 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 of insurance compensation on deposits from 700,000 rubles to 1,400,000 rubles. ).

Reference Information

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 their funds for storage.

Attention!

It is the main indicator of monetary policy. Directly affects the level of interest rates on deposits. Since August 3, 2015, it has been equal to 11% and remains unchanged until December 11, 2015. This is the fifth reduction of 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, from September 13, 2013, it has been of a secondary and reference nature, and since January 1, 2016 it has been equated to key rate, as stated in the document "On the system of interest rate instruments of the monetary policy of the 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 “The 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.

To date, the Bank of Russia forms the "big ten" of the following banks:

1. Sberbank of Russia;
2. "VTB 24";
3. "Bank of Moscow";
4. "Raiffeisenbank";
5. "Gazprombank";
6. "Binbank";
7. "Alfa Bank";
8. "Bank FC Otkritie";
9. "Promsvyazbank";
10. Rosselkhozbank.

This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information provided on official websites.

In the third ten days of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions that attract 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 bet? From October 2012, the Central Bank of the Russian Federation categorically did not recommend that all private banks exceed the indicator established during the monitoring by more than 2 percentage points (percent), from December 22, 2014 - by 3.5%, from July 1, 2015 allowed any an increase in exchange for an increase in the contributions (deductions) of credit institutions to the Deposit Insurance Fund (DIF).

Banks' fees for increased risk are set as follows:

• if 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 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 level of the credit rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.

What conclusion should ordinary savers draw from this information? If the level of profitability of the deposit, according to the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, which is why a private bank pays contributions to the DIA at an increased rate.

For ease of understanding, here is an example from the previous methodology of the Bank of Russia:

• The current average maximum deposit rate is 9.93%.
• The maximum recommended excess of the rate level is 3.5%.
• The maximum acceptable (with a maximum 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 either deal with an unstable credit institution or one that conducts risky operations.

In fairness, we note that at the moment all deposits in one bank in the amount of up to 1,400,000 rubles are “protected” by the Deposit Insurance Agency (DIA), so the banking system takes on the risk to a greater extent than depositors.

But there's little comfort in the thought that you might run into a bank that has had its license revoked or filed for bankruptcy. In annual terms, inflation in 2015 is at the level of 16%, however, there are all prerequisites for its significant slowdown in 2016–2017.

Looking at the dynamics of the decline in the key and average maximum deposit rates, we can assume that, unless something extraordinary happens, the key rate will continue to decline, and interest rates on deposits will decrease along with it.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.

In winter, the market is livened up with special seasonal products. Despite the fact that the number of interesting deposit offers 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 currency deposit?

The incomes and consumption of the vast majority of Russians are oriented toward rubles. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, the 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 a more stable option for saving money, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the euro and dollar exchange rates are extremely high and the ruble has already more or less stabilized.

If in the short term there is a significant strengthening of the ruble (which is possible with the easing of sanctions or an increase in oil prices), then the foreign currency deposit 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 these people, then a deposit in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the vast majority of Russians are focused on rubles, which means that they need to be saved.

Term deposit or demand deposit?

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 depositor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (the profit from such a deposit will not even cover monthly inflation).

Term deposits are placed for a certain period, until the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is often placed for a year, less often for several months.

The deposits with the longest holding period sometimes offer the best 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.

Replenishable or non-replenishable deposit?

Contributions are classified depending on the degree of control of the depositor over the invested funds. When opening a non-replenishable deposit, any replenishment or withdrawal operations are prohibited - for them, banks offer the most favorable conditions for placing funds.

Replenished deposits allow you to deposit money into the account during the term of the contract, which is convenient for the systematic accumulation of a large amount of money. Some banks offer replenishable deposits that allow the client to make debit and credit transactions. As already mentioned, the best conditions are provided for non-replenished 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 on the decline. Recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby causing an increase in deposit rates up to 21–22%.

Throughout the year, the indicator was decreasing: 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 very ambiguous: most expect further reductions, 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 contract.

Moscow Credit Bank provides deposits with a rate of 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, the larger the bank, the lower interest rates on deposits it 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 euro

The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on euro deposits is about 2.5-3%.

Attention!

The leading banks, again, are not encouraging with high rates on foreign currency deposits: the average annual percentage is about 1.5–2.5%. For example, the euro deposit option can be found at UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. In Bank Saint-Petersburg, you can count on a rate of 2.8% when opening an on-line deposit for a period of 5 years in the amount of 50,000 euros. Interest is paid at the end of the term of the deposit.

"Moscow Credit Bank" offers a deposit of 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 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 the banking sector: inefficient banks will be automatically ousted from the market. However, one should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite solid ones, having branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.

Best dollar deposits

The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions are offered for deposits. In "UniCredit Bank" you can place a deposit from 20,000 USD.

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 Binbank: by placing an amount of 25,000 US dollars 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 US dollars and 915 days before receiving income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8-3.5%.

source: http://site/www.kp.ru

How to choose a reliable bank for opening a deposit?

I think many of you are asking yourself the question: “How to choose a reliable bank” when planning to open a bank account, get a loan or a mortgage.

Interest in this topic is explained simply: firstly, this is another small step towards mastering the basics of financial literacy. Remember, we talked about this in the article “Savings and financial literacy need to be learned”?

Secondly, this is the first small step towards the practical application of the acquired knowledge, to which I was pushed by a far from new and not at all original idea: “money should work”.

Warning!

And how to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from 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 the type of investment, which, in fact, is not an 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 daily life we ​​most often encounter banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We do not experience stress, giving our money to the bank. And we are not afraid to lose our money, because, you see, the risk here is minimal.

And it 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 the stock market, works of art, antiques, precious metals.

But we do not always know how efficiently our money can work in different banks. Different deposits under different conditions 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 what currency to open a deposit and at what percentage.

There are many questions, let's go in order

The economic situation in our country now can hardly be called stable. The slowdown in the growth of our economy, which began in 2013, was exacerbated by 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 hoard or not to hoard?

The accumulation of money in itself, as a process, I think for the majority is a boring and monotonous activity. You have to be a real Plyushkin to save money for the sake of money.

But if the implementation of the long-desired looms ahead, it’s a completely different matter.

Attention!

What do you specifically want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? It really 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 specifically. Believe it or not, this has happened to me more than once.

Bank deposits (deposits)

So the goals are set. And we are back to our deposits. To make it clearer, let's start with the terms.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and under certain conditions of the agreement in order to save them and generate income.

These are client funds that are subject to mandatory return upon expiration of the contract or at the first request of the client. But at the time of placement on deposit, the bank manages them.

This is a very popular banking product that arose almost at the same time as the 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 contributions?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pluses or minuses.

But basically, deposits are divided into three main groups depending on:

1. from the term of the deposit - deposits "on demand" and term deposits
2. from the possibility of replenishment - replenished and non-replenished
3. on the type of deposit currency - deposits in rubles, foreign currency or multi-currency deposits.

From the period of placement of money in the bank.

What is the difference between term deposits and demand deposits? Interest is paid on time deposits that are placed for a certain period (from 1 month to several years).

If the client withdraws his money before the end of the period stipulated by the agreement, the bank can return only the initial deposit amount in full, while interest on the deposit can be partially accrued.

Some banks, upon early termination of the contract, may return the fully accrued interest, but usually such deposits have low interest rates.

Advice!

On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and interest rates on them are much lower than on time deposits.

Replenishable and non-replenishable deposits

Everything is clear here. If the deposit is replenishable, then this means that additional amounts can be deposited into the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is non-replenishable, the initial deposit amount cannot be increased, and interest will be charged 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.

A feature of multicurrency deposits: on one account, you can place several amounts in different currencies, each of which will accrue its own interest.

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 deposit?

What do you usually pay attention to when choosing a deposit? Of course, at interest rates (the equivalent of the monetary reward that the client receives for having provided the bank with his funds for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (the annual interest rate is always indicated in banks), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenishable or not, on its type (urgent or “on demand” ), from capitalization and some other factors, which we will talk about later.

Warning!

Let's make a reservation right away that very high interest on deposits is 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 are interest rates calculated on deposits?

1. The first option: at the end of the deposit term, interest is charged on the initial amount.
2. The second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, interest is transferred to a plastic card or other account.
3. 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 accrued on a larger amount.

This method of paying interest is sometimes called "compound interest" and can be made 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 you need to understand when referring to bank deposits.

Prolongation of the deposit is an automatic extension of the deposit agreement after its expiration and placement of the deposit for a new period without the participation of the client.

If no rollover is provided, the funds (principal plus accrued interest) will be transferred to the customer's account and no interest will accrue from that moment on.

In order to resume their accrual, you need to come to the bank and open a new account. True, it must be borne in mind 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 they 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 deposits. We also figured out that the interest rate, which ranges mainly from 3 to 10 percent, depends on many factors.

Bank 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 will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, and reliability are important.

Often you can find good offers in banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks arrange for some occasion for a short time.

Advice!

For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenished deposit with a monthly capitalization, albeit with a lower interest rate.

But in general, this way of investing, which includes bank deposits, is not the most profitable option today. The size of the rates compared to what it was a couple of years, is significantly reduced. And to find, for example, a contribution at 10% per annum, you need to try very hard.

Moreover, you need to understand that there is such a rule: the more the bank offers deposit opportunities (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to look for 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 way to somehow navigate the choice of a bank is to look at its ratings. Russian banks are rated mainly by such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which Expert RA 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 reading the bank's credit statements, which are published on the website of the Central Bank or on the website of the Bank of Russia. 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 already presented in a more accessible form, which even a non-professional can understand.

Warning!

The reliability of a bank 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 months.

A sign of the bank's reliability and stability is its large assets at the moment and their increase compared to previous periods. The amount of its own funds (authorized capital) also testifies to the reliability of the bank.

According to the information agency "Finmarket", as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, Binbank , Bank Vozrozhdenie, CB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MInB, Moscow Credit Bank, Nomos-Bank, Nordea Bank, Petrocommerce, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia, Sberbank of the Russian Federation, Svyaz-bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HKF-Bank, UniCreditBank.

The need to assess the reliability of the bank based on the analysis of statements, paying attention to such criteria as deterioration or violation of the standards mandatory for a banking organization (which may lead to license revocation), to not made own payments and difficulties encountered in paying off their own debts, to large cash flows that significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares (this may signal that the bank will have big problems in the near future), for any sharp decline in balance sheet indicators without reasonable explanations.

Such information can be found in the reporting on the website of the Central Bank, 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 will at least partially help reduce the level of risks.

2. For the size of the bank. For large federal and regional banks, the expression "Too big to fail" is almost 100 percent applicable. Information about their assets, which testify 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. On the 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. For falling ratings which may be downgraded by rating agencies. The fact that credit institutions have no rating is also alarming (which may serve as evidence of the bank's reluctance to provide information to rating agencies, trying to hide something negative).

5. At high deposit rates. Inflated rates, which are significantly higher than the average level, or their sharp increase may be evidence that the bank does not have enough own funds. And, trying to attract more customers through more profitable, at first glance, offers, the credit institution is trying to pay off its debts. This may indicate an increased risk.

How do you know if it's overpriced or not? In this case, one can be guided by the results of monitoring the maximum interest rates (for 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. Reducing the bank's working hours (reducing the number of working days and the period of work during the day), reducing staff - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems that have arisen when conducting monetary transactions (for example, delays in cash withdrawals, closing deposits, quality of service), as well as mass closing of accounts by bank customers. You can find out about this from the 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 of compulsory deposit insurance has been operating in our country, and the banks themselves do this completely free of charge for customers. If such a nuisance happens and your bank is closed, within 14 days after the occurrence of the insured event, the deposit amount will be returned to you.

Deposit insurance system

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This point deserves special attention.

That is, if you have several accounts opened in one bank for a total amount of, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more expedient to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.

For example, by depositing 500,000 rubles in two banks, 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 to increase 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 one or another bank, be sure to check that the bank belongs to the Russian deposit insurance system. This is easy to do: you can now find information on any bank on the Internet.

Warning!

To get started, select all the 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, having previously made a comparative analysis of profitability in different banks. The more you study offers on deposits and deposits, the more chances you have to find the best option.

Find out if the bank provides for fees and commissions for any additional services (for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of early termination of the contract.

Read the contract carefully! The optimal solution, in my opinion: the reliability of the bank and a relatively high percentage. But at the same time, one should not forget that sometimes the bank's big problems are hidden behind an excessively high rate, which it is trying to solve at our expense.

A thoughtful approach, careful analysis and slowness in making a decision 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.

It is formed on the basis of the total amount of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking, you will be able to choose the right one. Based on the information provided, you will be able to choose the best offers for profitability and interest rates.

Features of the formation of the rating of Russian banks on deposits

Russia on deposits is formed according to the data of the Central Bank of the Russian Federation. The analysis also takes place on other indicators:

• Positions in the ranking compiled by independent agencies.
• The opinion of customers who have already made transactions in this bank.
• Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the equity capital of the institution. The more funds, the less likely it will be declared insolvent.

Rating of banks in Russia by deposits of individuals in 2020

In 2020, the top best Russian banks in terms of deposits have not changed much. The higher the place in the list, the more confidence in this financial institution. Usually, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top best banks may vary depending on different indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks for today is formed according to the reports provided by financial institutions. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider ranking by interest rates, the list may be different. When choosing, pay attention to the rating at the full cost of deposits. It includes surcharges, bonuses and other gifts for depositors.

Content

Keep money in the Savings bank, if you have any! A quote from Gaidai's comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate is not a very profitable investment now, foreign currency periodically becomes cheaper against the ruble, and it is dangerous to keep banknotes at home. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, on a deposit or savings account. The index of confidence in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however, there is the concept of the average bank interest rate, which is set by the Central Bank:

• The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other metrics are also monitored.
• The average interest rates on deposits in 2019 are 10.82%, which is 0.3% higher than in the previous 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients' money.

Interest on pension deposits

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on top-up pension deposits, similar to a savings account, but at a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishable deposit for 3 years, 3.5% per annum, "Keep" - non-replenishable, rate 5.6% (when opening an account online - up to 6.13%), "Replenish" - 5.12% ( online - 5.63%). There is a "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension - 7.75%.

Interest on ruble deposits

The main share of bank deposits is made up of ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest of more than 8.1, but the minimum amount starts from 1,000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without a withdrawal or replenishment function.
• Alfa Bank also keeps the bar around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, promoted players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial institutions, but along with an increase in the percentage, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank should not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The best programs for Moscow banks:

• "With the maximum rate" - 8%, Uralsib;
• "Vlad to the Future" - 10%, BinBank;
• "Partner" - 8%, Nevsky Bank;
• "Maximum income" - up to 8.4% of Sovcombank;
• "All Inclusive Maximum Income" - 8.5% from the establishment of the Moscow Credit Bank;
• "Financial protection", in euro, 3.5% - Promsvyazbank;
• “For life”, in euros, 3% - UniCredit Bank;
• "Tradition of success", in euro, 2.5% - Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

• the intensity of issuing loans, which constitute the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
• deposits with compound interest initially offer a lower return than those with a simple rate.

Large players in the financial market do not stimulate profitability, preferring to attract clients with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on a percentage, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the "big three" - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, while taking into account:

• analysis of the work of a credit institution by the Central Bank, while taking into account the value of its own capital;
• customer reviews about the work of the institution;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks looks like this this year:

• Magnus - 8% per annum from J&T Bank;
• "Solid interest" - 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-year from UniCreditBank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Promising" - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenished deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may be interesting:

• "Solid" - 10.5% for 550 days from GazTransBank;
• "Maximum" - 10.5% from 9 to 36 months, Dolinsk Bank;
• "Loyalty to traditions Premium" - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• "According to the Europlan" - 10% per year from BinBank Stolitsa;
• "Safe" - 10% per year from the bank "Interaction".

Sberbank deposit rates for today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

• "Memory of generations" - the minimum deposit is 10,000 rubles. the rate is 6.4-7%, and part of the profit is transferred to the Assistance Fund for Veterans of War.
• "Save Online" - can be done in any currency. A small minimum amount - only 1000 r. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• "Manage!" - replenishable, it is possible to issue it online. Percentages range from 3 to 5.85.
• "Give Life" - part of the income is donated to the Fund of the same name. Term - 1 year, rate - 5.3%, without replenishment.
• "Savings" - a regular account with a minimum percentage of 2.3 per annum. There are deposits and early withdrawals.
• "Savings Certificate" - a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

Bank VTB 24

This bank has a share of public money, so its reliability is fully justified. The interest on the deposit today, VTB 24 Bank offers low, which is offset by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• "Cumulative" - ​​from 200,000 rubles. for 3 months and more, the percentage is up to 6.95, there is a capitalization of income;
• “Comfortable” - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount is from 200,000 rubles, there is the possibility of partial withdrawal.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a "people's bank" with advantageous offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9% depending on the duration and size:

• "Investment" - from 50,000 rubles, 8.75%, payment of profits - at the end of the term (six months, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15,000,000 rubles;
• "Classic" - profit 7.95% per annum, interest payment - to choose from, the minimum amount is 3000 rubles.

Deposit in Alfa-bank

The interest rate of a deposit in Alfa-Bank is comparable to competitors, but the popularity of a financial institution is great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• "Victory +" - a contribution for six months, up to 7.3% and a deposit amount of 50,000 rubles;
• "Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
• "Premier+" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post Bank

Post Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were served by Post-Bank. Aggressive advertising campaign involving well-known actors is doing its job, the bank is constantly calling to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits at Post Bank, and all deposits are subject to insurance:

• "Seasonal" - for a year with the placement amount from 50,000 rubles. The rate is 8.25% with the payment of profit at the end of the term, pensioners receive 8.5% per annum.
• "Capital" - for six months or a year up to 8.25% plus a card as a gift.
• "Cumulative" - ​​a replenishable deposit up to 7.5% and a minimum amount of 5000 rubles. possible early closure and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or a personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It is worth noting that today the leaders among credit organizations do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Video: Interest rates on deposits in 2019

Discuss

All banks are interested in attracting as much money from depositors as possible to their accounts. To this end, there is a wide range of deposits. High interest is not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

With all the differences, deposits can be conditionally divided into three groups, depending on the possibilities of managing accounts: income-generating (without the possibility of replenishing and withdrawing money), replenished and with the possibility of using funds.

Choosing the highest percentage is easy, but what if you urgently need money? Here, savings programs with the right to partial / full withdrawal of money come to the rescue. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract period without the ability to manage and use the funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in various banks are relatively equal:

• You need to select a specific offer.
• Deposit an amount not lower than the indicated minimum.
• Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

• Bank of Moscow "Correct Answer"

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

• BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

• VTB 24 Profitable

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenished deposits

• Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

• PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

• Gazprombank Accumulative

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and 500 €.

• VTB 24 Accumulative

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• Raiffeisen Bank Personal Choice

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

• Bank Trust "All Inclusive" with the possibility of replenishment

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

• Gazprombank. Product "Dynamic" has an additional possibility of replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, $ 1,000 and € 1,000.

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 interest on deposits in Moscow largely determines how much the deposit will be added to the original, 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:

1. Enter your deposit requirements.
2. 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.