Favorable deposits for individuals c. Profitable deposits in reliable banks at high interest rates

Mikhail Adamov

Reading time: 9 minutes

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Each bank at the beginning of the new 2019 is trying to attract a new flow of customers. Special offers are created, tariff rates on deposits are increased, the period and minimum amounts are reduced. At the same time, one should not think that the bank works for the benefit of customers. By attracting you, he thereby increases profit for himself. That is why he will try to create the most convenient service conditions.

Profitable deposits of Sberbank for 2019

Before the start of the new year, Sberbank is ready to offer its customers a wide range of different deposits. For example, "Gift Certificate". Such a document will not only be a profitable investment, but also a pleasant gift for a loved one for the New Year holiday. The interest rate on the certificate is 11% per annum.

When acquiring them, it is mandatory to register at a branch of Sberbank. Thus, it is impossible to fake it, which additionally guarantees the protection of your funds.

In addition to the New Year's "gift", there are also standard deposit offers. Note that depending on belonging to a certain stratum of society, the interest rate also changes. For example, for pensioners it is higher.

Sberbank deposits for 2019:

• - Income is 7% annually.
• Deposit "Top up" — income is 6.5% annually.
• Deposit "Give Life" - income is 6.8% annually with a minimum amount of 10 thousand rubles.
• Contribution "Happy Year" - income is 10% annually, the minimum amount is 150 thousand rubles.

Thus, we can conclude that the “Happy Year” deposit is the most beneficial for clients.

Profitable deposits in VTB24 bank for 2019

VTB24 Bank is one of the largest financial institutions in the country. Today, the bank has a subsidiary "Post Bank". It should be noted that, just like with Sberbank, all deposits are backed by state guarantees. Thus, you can not worry about the safety of your funds.

The bank's deposit program is quite extensive. Here are the main and most profitable.

VTB24 deposits for 2019:

• - income is 8% annually for ½ year.
• Deposit "Comfortable" - income is 5.85% annually for ½ year, the minimum amount is 1.5 million rubles.
• Deposit "Cumulative" - income is 7.7% annually for ½ year, the minimum amount is 1.5 million rubles.
• Deposit "Cumulative online" - similar to the previous one, but the income is 7.85% annually for ½ of the year.

Thus, the most profitable offer is the Profitable deposit.

note that the interest rate is presented for placing a deposit for a year. Whereas the terms of placing money in VTB24 is ½ year. So divide the interest rate by 2.

If you want to receive 8% per annum, you can prolong (extend) the deposit or place funds with interest in another bank on more favorable terms.

Profitable deposits in Alfa-Bank for 2019

Many only dream of getting money, but not working. With investments, this became possible. Separately, it is worth noting that in Alfa-Bank there is a fundamental difference between deposits and a savings account. The first is for long-term investment. The bank will know exactly how long it can manage the client's money.

The dates are specified in the opening contract. Savings account - placement of money for a short time at a lower interest rate than on a deposit.

Each of them, in turn, is divided into the accumulation of interest on the deposit or miles.

Alfa-Bank deposits:

• Savings account "Activity" — 6% per annum on the minimum current account balance.
• Savings account "Valuable time" - in case of prolonged non-use of money on the current account, 7.5% per annum is charged.
• Deposit "A+" - when placing from 1 million rubles. for 1.2 years, the interest rate is 7.5% per year.
• Life Line deposit — the minimum deposit amount is 50 thousand, the annual interest rate is 7.6%.
• Deposit "Premium" - 8% per annum when depositing 3 million rubles. for ½ year.

The main offers of the bank are presented. Thus, if you are the owner of an amount of more than 3 million rubles, it will be beneficial for you to put money on the Premium deposit. For those who do not plan to part with money for a long time, it is worth opening a “Valuable time” savings account.

Profitable deposits in Rosselkhozbank for 2019

The bank was established in 2000 to support the agricultural sector of the economy. Today, it has expanded the boundaries of its services and has become a universal commercial financial institution.

Deposits in Rosselkhozbank:

• Deposit "Your income" - annual interest rate of 10%, with a minimum amount of 100 million rubles and a period of 3 years.
• Deposit "Your Opportunities" - the annual interest rate is 8.05%, the amount of the deposit, compared to the previous one, is reduced to 30 million rubles and for a period of 1.5 years.
• Deposit "Your conditions" - the annual rate is 6.1%, the amount is from 50 thousand rubles and for a period of 1 month - a more affordable deposit for individuals.
• Deposit "Hot time" - the minimum contribution is from 3 thousand rubles, at least for 1.5 years at 8.17% per annum.

As you can see, from the above figures, Rosselkhozbank does not need small investments of individuals' funds.

This is due to a number of reasons:

• Firstly , the profile of work - agriculture, remains a priority. Accordingly, the amount of loans for its development amounts to millions.
• Secondly , 51% of the bank's shares are in the hands of the state, which means significant financial support.

Thus, if you consider Rosselkhozbank as an investment of your funds, choose the “Your income” deposit. It is he who guarantees you the highest income for 3 years.

When considering bank offers, it is conditionally worth dividing them into 2 types: profitable and "advertising". The latter may indeed contain high interest rates, low deposit amounts, but have a number of hidden conditions. For example, being a regular and long-term client of a bank, having a deposit, issuing a card, etc.

Advice: before making the final choice of a bank and its offers, pay attention to the financial situation in the country, the financial situation in your family (most banks are ready to charge high interest on long-term deposits without the right to withdraw) and the period the bank has been operating on the market. Do not trust financial institutions that were formed a few months ago and did not have time to establish themselves among the population.

So, let's make a summary table on the deposits of the banks discussed above.

The most profitable deposits for 2019

So, the article examined the deposits of the largest banks in the Russian Federation:

Many individuals prefer to draw up. Thanks to such programs, they manage to increase their start-up capital quite quickly. Currently, Russian banks also offer other deposit programs, for which the most comfortable conditions are set. To compare in other financial institutions, people should carefully study the rating of active deposits in 2017.

How to choose a reliable and stable bank for opening a deposit?

Individuals who have free funds on hand strive to make them “work” and bring, albeit a small, but stable income. The ideal option for investment today are deposit programs, a wide range of which is represented by various Russian banks. Studying the rating of the most profitable deposits, many people pay attention to programs with the highest profitability, for example, on.

When choosing a deposit program, individuals should focus on the following criteria:

• how many branches does the financial institution have;
• how many ATMs of the selected bank are installed in the settlement and in the whole country;
• what is the amount of personal assets of the financial institution;
• a line of deposit products introduced in 2017 for individuals;
• range of additional banking services offered to the population;
• a line of credit products available to individuals and business entities;
• participation of a financial institution in the state deposit insurance program;
• what positions the bank occupies in the domestic financial market, etc.

Advice: when choosing a financial institution to place funds on its deposit accounts, Russian citizens should take into account all possible risks. This will help the reviews of former clients of the bank, as well as its position in the ranking of the most reliable and profitable deposits.

Rating of banks on deposits of individuals

The table shows the most popular deposits for individuals in 2017, which are characterized by maximum profitability and comfortable conditions for placing funds:

Rating of banks in Moscow on deposits of individuals

Residents of the capital, as well as citizens of other regions, actively participate in the deposit programs of Russian banks. For individuals today there are a huge number of offers in which they can try themselves as investors. In order to choose the most reliable financial institution that can be safely entrusted with hard-earned savings, one should study the rating of banks by capital size compiled by the Central Bank.

) in terms of assets, a Russian bank that emerged in 2016 after the Bank of Moscow joined the VTB Group and is designed to work with individuals and small businesses. In terms of retail deposits, VTB Bank of Moscow ranks 7th in Russia, behind VTB 24, which is also part of the VTB Group.

In this article, we will consider the deposits of VTB Bank of Moscow for individuals as of March 2017. The deposits are ranked according to the interest rate in rubles.

6th place.

Deposit "Maximum comfort" when opening at a bank branch

It is possible to pay interest every month, there is the possibility of replenishment and partial withdrawal. Deposit term from 3 months to 3 years. The minimum deposit amount is 1 thousand rubles, 100 dollars / euro. The maximum rate in rubles is 6.74% (for a period of 3-6 months and an amount of 1.5 million, taking into account capitalization, i.e., adding interest to the deposit), with an amount of 200 thousand rubles, the rate reaches 5.93% . For a period of six months to 1 year, the maximum rate is 6.59% (for an amount of 1.5 million), and for an amount of 200 thousand - 5.56% per annum.

In dollars, the maximum rate is 0.6% (for a period of 2-3 years and in the amount of 75 thousand), in euros the rate is 0.01% per annum, regardless of the amount and term of the deposit.

Deposit "Maximum comfort" when opening in the Internet bank or ATM

The interest on this deposit is slightly higher than on a similar deposit opened at the bank's office, but this applies only to deposits in rubles. The maximum rate is 7.04% (for a period of 3-6 months and an amount of 1.5 million, including capitalization), with an amount of 200 thousand rubles, the rate reaches 6.23%. For a period of six months to 1 year, the maximum rate is 6.90% (for an amount of 1.5 million), and for an amount of 200 thousand - 5.87% per annum.

Deposit "Maximum growth" when opening at a bank branch

It is possible to pay interest every month, there is the possibility of replenishment and a single partial withdrawal up to the amount of the minimum balance after 180 days. Deposit term from 3 months to 3 years. The minimum deposit amount is 1 thousand rubles, 100 dollars / euro. The maximum rate in rubles is 7.24% (for a period of 3-6 months and an amount of 1.5 million, including capitalization), with an amount of 200 thousand rubles, the rate reaches 6.23%. For a period of six months to 1 year, the maximum rate is 7.20% (for an amount of 1.5 million), and for an amount of 200 thousand - 6.07% per annum.

In dollars, the maximum rate is 1.32% (for a period of 2-3 years and in the amount of 75 thousand, including capitalization), in euros the rate is 0.01% per annum, regardless of the amount and term of the deposit.

Deposit "Maximum growth" when opening in the Internet bank or ATM

The maximum rate is 7.55% (for a period of 3-6 months and an amount of 1.5 million, including capitalization), with an amount of 200 thousand rubles, the rate reaches 6.54%. For a period of six months to 1 year, the maximum rate is 7.51% (for an amount of 1.5 million), and for an amount of 200 thousand - 6.38% per annum.

Deposit "Maximum income" when opening at a bank branch

It is possible to pay interest every month, there is no possibility of replenishment and partial withdrawal. Deposit term from 3 months to 3 years. The minimum deposit amount is 1 thousand rubles, 100 dollars / euro. The maximum rate in rubles is 7.75% (for a period of 3-6 months and an amount of 1.5 million rubles, including capitalization), with an amount of 200 thousand rubles, the rate reaches 7.14%. For a period of six months to 1 year, the maximum rate is 7.67% (for an amount of 1.5 million), and for an amount of 200 thousand - 7.00% per annum.

In dollars, the maximum rate is 1.62% (for a period of 2-3 years and an amount of 75 thousand, including capitalization), in euros the rate is 0.01% per annum, regardless of the amount and term of the deposit.

There are special conditions for pensioners on this deposit: the maximum rates for each term of the deposit in rubles are provided with a deposit amount of 1 thousand rubles, and if the deposit is in dollars, then the maximum rate is provided with an amount of 100 dollars or more.

Deposit "Maximum income" when opening in the Internet bank or ATM

The maximum rate is 8.05% (for a period of 3-6 months and an amount of 1.5 million, including capitalization), with an amount of 200 thousand rubles, the rate reaches 7.45%. For a period of six months to 1 year, the maximum rate is 7.98% (for an amount of 1.5 million), and for an amount of 200 thousand - 7.31% per annum.

For pensioners, the maximum rates for each term of the deposit in rubles are provided with a deposit amount of 1,000 rubles or more.

The Bank of Moscow periodically holds promotions with increased interest - do not miss your chance to significantly increase your savings. It's no secret that VTB Bank and the Bank of Moscow have merged, but the latter's products look preferable (at least for now).

All bank deposits are insured by the State Law, so the amount up to 1.4 million rubles will be returned to you in any case.

1. The "Seasonal" deposit program - a promotion with an increased percentage

An excellent promotional product, with an interest rate of 7.5% to 10.00% per annum.

The deposit is opened for a period of 400 days, only in Russian rubles. We have already met deposit programs more than once, where the term is divided into periods, and in each such period of time, its own rate operates.

In the "Seasonal" product, the entire term of the deposit is divided into 4 periods with different rates (see table). To find out the effective rate on the deposit, we add up the percentages of all four periods, and divide by 4. As a result, we get 8.12% per annum.

It is this figure that must be entered into the calculator for calculating the profit on the deposit.

The minimum deposit amount is 100 thousand rubles. Deposit without replenishment and partial withdrawal.

There are preferential conditions for early termination of the contract. If you withdraw the deposit with a term of 100 days or more, the rate of 7.50% per annum is retained (preferential termination rate).

Upon termination of the contract for a period of up to 100 days, interest is paid at a rate of 0.01% per annum (at the "Demand" rate), i.е. unfortunately they burn out.

2. Deposit program "Maximum income" - with monthly interest payment

In this program, you can get the maximum rate, among all the "products" of the Bank of Moscow - up to 8.46% in rubles.

It should be noted right away that the rate will be higher when opening a deposit through the Internet Bank (or ATM). Opening through bank offices is also present, but the rates there are 0.3% per annum lower.

Interest can be withdrawn monthly, or sent for capitalization (interest is calculated on interest).

The minimum amount is 1,000 rubles. Term - from 91 to 1095 days.

The value of the interest rate depends on: the method of opening, the amount of the deposit, the term of the deposit, the method of paying accrued interest (monthly, or capitalization).

One more small nuance. The Bank of Moscow gives its "payroll clients" and pensioners a bonus - the deposit amount is not taken into account, and is even given for a deposit of 1,000 rubles, at the maximum gradation rates of "1,500,000 rubles" (the last line of the table).

Interest rates under the program "Maximum income" (opening online)

.

There are no replenishment and partial withdrawal options.

3. Deposit program "Maximum growth" - with replenishment and withdrawal

In the "Maximum Growth" deposit program, there are options for replenishment and partial withdrawal. You can increase the interest rate during the term of the deposit by replenishing the amount until the next gradation.

The minimum opening amount is 1,000 rubles.

Replenishment from 1,000 rubles is possible during the entire period.

The interest rate depends on: the amount of the deposit, the term, the method of withdrawing interest, the method of opening (online or through the office). When opening through the "Internet - Bank", the interest is 0.3% per annum higher.

As in the previous program, for "payroll clients" and pensioners, the amount of the deposit is not taken into account, and the maximum rate is given (the last line of the table).

Withdrawal is allowed once, up to the minimum balance.

Interest is paid: either monthly or sent for capitalization.

Interest rates under the "Maximum Growth" program (online opening)

* - interest on monthly profit withdrawal.
** - interest when choosing capitalization.

4. Deposit program "Maximum comfort"

Similar to the one described above in terms of parameters, but there is one difference - partial withdrawal without restrictions, up to an irreducible balance.

With a deposit amount of 1,000 rubles, the minimum balance will be 30,000 rubles. In other gradations, the amount of the down payment is equal to the minimum balance.

Preferential conditions for terminating a deposit, with a "life" period of 181 days - 60% of the assigned rate is paid.

If the deposit is terminated before 181 days, the rate "burns out" to 0.01% per annum.

The maximum rate is 7.55% per annum (the amount is from 1.5 million rubles, the term is 1 year, capitalization, opening via the Internet bank or ATM).

Interest rates under the program "Maximum comfort" (opening online)

* - interest on monthly profit withdrawal.
** - interest when choosing capitalization.

5. "Savings account"

Usually this account is opened before paying for a large purchase, or when you want to "save" for it.

But so that money does not lie "in a stocking" or under a mattress, depreciating, but bring income. The interest is not high, but a huge plus is the fact that the entire deposit (or part of it) can be withdrawn at the right time.

Interest is paid monthly, or sent for capitalization.

The advantage of the account is that there is no minimum opening amount, and it is perpetual. There are no restrictions on replenishment and partial withdrawal.

The rate depends on the amount of the account, and is in the region of 3.50 - 5.00% per annum (see table).

Interest is calculated on the daily (0.10% per day) and the minimum account balance per month.

To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce the search time, you can use the help of our site. Here are collected offers for investments with high interest rates on deposits in. But this is not the only parameter for successful cash investments.

To use capital today profitably, it is not enough to find a deposit at high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will make it possible to use the initial contribution more efficiently. An important point - is it possible to withdraw money from the account ahead of schedule? And if so, is the accrued interest retained? Or will they burn?

How convenient is the search for deposits in Moscow on the site?

Here you can find deposits not only in rubles, but also in other currencies popular for investment - euros and dollars.

On our portal, you can compare the conditions of different credit institutions of the city - interest on deposits in Moscow banks, terms, the possibility of replenishment and capitalization of interest. In addition, you can learn about the deposits of other major cities in Russia. To find a suitable option you need:

• set up search filters;
• choose from the proposed options suitable;
• send an application or call the bank for more information.