Banks with favorable interest on deposits. Top banks by deposits in Russia. Deposit insurance system

The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit under maximum percentage for today in 2020.

Bank deposit for individuals Today it is one of the most affordable investment savings tools. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.

Most deposits that are issued at maximum interest have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they are generally not term deposits, and savings accounts with no time limit for investing savings.

When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their breakdown by terms:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that they work, many are wondering: which bank has the largest percentage of deposits today. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

For those who open IIS
Without replenishment
Without partial withdrawal
Without capitalization
Interest at the end of the term

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB Bank

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

High interest deposits for 6 months

High interest deposits for 1 year

If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits?

According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.

In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.

Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.

Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes, is not a public offer.

Wanting to receive a stable, albeit small, income, citizens who have certain savings are increasingly trying to open a deposit in various banks. For most investors, the most important indicator when choosing a funded program is interest rate. However, there are a few more significant nuances that you should pay attention to when choosing a deposit product. About what to look for, and in which bank high interest rates on deposits, we will tell in our article.

It so happened that most depositors, when choosing a deposit program, pay the main attention to the interest rate. And this is the biggest mistake. But what about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their investors without the promised income and without their own savings too.

It is for this reason that the first thing the client should pay attention to is the reliability of the bank. Reliability is tested by stability financial institution, guaranteed payments on deposit operations, as well as market leadership banking services. As a rule, exactly big banks who for many years cope with all crisis situations rightfully become the most demanded among the population.

Of course, you have to pay for security. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the probability of receiving the planned income increases significantly.

Important! An additional guarantee is governmental support those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of the bank's bankruptcy. Therefore, first of all, when choosing a bank for making a deposit, you need to pay attention to whether the bank has a license state insurance deposits.

Additional Criteria

We figured out the reliability, now let's decide what else should be considered when choosing a deposit.

1. Interest. For some, this indicator will be in the first place, but it is still better to consider it after choosing the most reliable bank. Yes, among the market leaders financial services, there are not so few banks that are ready to offer their depositors a fairly profitable deposit. A good interest rate today fluctuates between 8-8.3%. Of course, you can find better interest rates, but the conditions may be too harsh for those who want to invest.
2. Possibility of early partial or full withdrawal of money. This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract term of six months to a year. These are the most profitable and not too long-term programs, because there are always risks of an economic downturn and an unexpected bank failure. However, there are times when there is no opportunity to wait for the deposit to expire, and money is needed right now, then you need to clarify whether you will have the opportunity to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profit in case of early termination of the deposit agreement. After all, some banks almost completely take away the accumulated interest, even if the deposit has aged almost the entire agreed period.

3. Capitalization of received profit. Another important indicator- the possibility of capitalization of the received income. That is, the agreement may provide for the automatic consolidation of the principal amount of the deposit with the interest due on time, and the accrual of the following interest, already taking into account the increase in the size of the main deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise interest calculation. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
4. Deadline for making a deposit. This factor is also significant, because often, banks offer very decent interest only on short-term deposits. For deposits with a term of one year, the percentage becomes slightly lower.
5. Required input amount. Most depositors are confident that they can put any amount they have at interest. However, this is not the case. Of course, there are banks that do not care at all about the size of your savings that you want to put at interest, but the majority sets threshold value contribution. Moreover, the larger this amount, the greater the percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to turn over the money it has. Accordingly, their profit depends on it.

Which banks have the highest interest rates?

So, as we have already decided, the most important factors when choosing a deposit program are the reliability of the bank and the interest rate. We will not compare interest rates from banks with a dubious reputation, which simply want to attract customers as much as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not fall apart until the time comes to collect the accumulated interest? Do you run the risk of being completely without money?

Apparently, those wishing to invest their own money under high interest will have to seriously look for the most current offers. Of course, in addition to the options offered, there are many more offers from various banks, and sometimes they can be more attractive. Particular attention should be paid to short-term promotions. For example, during the period new year holidays many banks had promotional offers with very attractive interest rates.

Important point! As a rule, most banks are ready to offer the maximum interest rate only for a short-term investment of money in a deposit account. However, you should not chase after small benefits, it may be better to choose a loan with a lower rate, but on more favorable terms of placement and with lower commission costs.

When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to receive income from the point of view of state protection of risks is 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 of the country were used to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits are fixed-term deposits that do not have additional features - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. top ten with the best deals looks like that:

Deposits with additional features

Even the highest percentage of 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 preferable to depositors due to the expanded access to money and the preservation of accrued interest.

Replenished deposits

TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:

1. RosEvro Bank - 8.5%. banking product bears the corresponding name "Replenish". It is possible to open an account for a period of 91 to 1095 days in the amount of 50 thousand rubles. monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
2. Tinkoff - 8.5%. The bank has two rates - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the contract. 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 deposit product "Super-long-term" is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest is paid every 400 days.
4. Oriental Express Bank - 8.3%. Thanks to the Savings Book deposit, a bank client can receive a high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex - 8.25%. The "Optimal" product guarantees the multiplication of funds in the specified amount when they are placed 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%. A 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 executed for 91 days with automatic prolongation 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 declared rate when signing a contract for 367 days. Bank accruals are capitalized or transferred to the client's account. Replenishment of the account is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the offered rate is possible only through the online application. The initial amount of the deposit must be at least 1 thousand rubles. The tariff provides for monthly interest capitalization. Replenishment possible up to maximum limit- 10 million rubles.

Deposits with partial withdrawals

The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:

1. Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the 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 opening the account. Term from 3 months and 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 is paid every 184 days.
3. National Bank Trust - 8.25%. According to the All Inclusive tariff, you can not only replenish your account, but also partially withdraw money, subject to maintaining the 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 rather strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
5. Globex - 8.15%. The product "Universal Online" is available only through an application on the Internet. 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 indicated in the deposit agreement.
6. Oriental Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. Sum down payment- from 100 thousand rubles. Terms of registration - 181 and 731 days. After a partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank - 8%. Absolut Bank offers a special program for persons of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Ugra - 7.89%. The banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as to withdraw part of the money, saving the minimum balance. In addition to this program, Ugra Bank also offers Managed Interest, where the minimum initial payment is 100 thousand rubles, and the duration of the funds placement is 720 days. Replenishment is possible during the first year, and withdrawals - 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, while maintaining the established initial limit. An 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 replenish in the amount of no more than 20 thousand rubles. With partial withdrawal Money the initial amount must remain in the account.

Opening a deposit

When the most difficult process is behind - the contributor determined where more profitable contribution at interest, you can proceed directly to its opening. Most banks, along with registration at the branch, practice submitting online applications.

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

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

A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to save more money, they can expect higher interest and profits. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

As for security, everything is simple today: the state deposit insurance system protects depositors from losing money due to bank failure or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. In case you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose a program with best conditions on a deposit - and open an account. At the beginning of 2017, a resumption of interest rate cuts is possible, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring highest interest? Where is the best place to invest in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not really - to make savings in this bank. It's all about the percentages, which are the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online rate higher by an average of 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its customers ample opportunities to receive additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". The maximum income is possible on the Profitable deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.

Alfa Bank

At the moment, it offers its customers not only loan products, but also a number of deposit programs. Least percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the highest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with a deposit amount of 10 000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under the savings program "Line of Life" with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly bank 0.05% of the deposit amount to the charity fund for saving sick children " Life Line.

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the "Seasonal" deposit - up to 10% per annum can be received by placing from 100 thousand rubles for 400 days. The contribution is divided into interest periods for 100 days, replenishment and partial withdrawal is not provided. Also, under the "Maximum Income" program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, higher rate- +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, minimum size the first installment - 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euro - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, the deposit "Capital" is opened for a period of 36 months, but without interest capitalization. For all deposits, except " Cabinet", the minimum amount of the first deposit and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of remote deposit with interest rates up to 8.0% (8.84% with capitalization) per annum in rubles, 1.5% in US dollars (2.01% with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). You can count on such a percentage with a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partial withdrawals up to a minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% on deposit program"Maximum income". The deposit is placed for 720 days, which are divided into interest periods, the most profitable of them is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. On the “Replenished” term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount to open is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is the best place to keep money?

As you can see, deposits in Moscow banks are offered at different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend paying attention to the possibility of making credit and expenditure operations on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period of time. None of the programs can be called universal - a recipe profitable investment money for everyone and depends on the attitude of the depositor to the reliability of the bank, auto-prolongation, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the depositor.

This page contains banks offering maximum rates interest on deposits. To get acquainted with the best offers and programs in more detail, click the "Apply" button - you will be redirected to the bank's website.

Creditnatok is a service that allows you to select deposits with the highest interest rate or the most favorable conditions with a variety of offerings. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest rate on deposits in Moscow and will be able to profitably manage your money right now.

Analysis of profitable offers

Offers that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period the interest is calculated on the new increased amount. Among the best profitable offers can also be distinguished:

• not allowing replenishment and partial withdrawal of funds;
• not allowing withdrawal of income before the end of the contract;
• promotional offers of banks dedicated to memorable dates.

Term deposits with the highest interest can also be found among foreign currency products: the interest rate here is lower than that of ruble deposits, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high percentage are easier to find in less promoted small banks. Having an impeccable reputation, large banks do not need the most high stakes to attract investors – many of them choose reliability and stability instead of fast money. Additional advantages - convenient Internet banking, bonus programs, availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to invest money profitably. You can choose a suitable bank according to several criteria: high income, term, deposit amount, currency. It should be remembered that big bet, exceeding the refinancing rate by 5 points, will entail the need to pay a tax of 35% on the difference between interest.

To find out more, click on the "Apply" button: get all the necessary information and fill out an application on the bank's website. Look for profitable offer together with "Creditznatok"!