Bank deposits in dollars. The most profitable deposits in US dollars. Requirements for dollar deposits

In dollars are one of the most popular offers. In 2020, almost all banks offered this service. Special conditions were created for individuals who wanted to make a deposit of a large amount. and Better conditions offered by state-supported institutions.

Interest on deposits in dollars in Moscow

If you open a ruble account to preserve and increase capital, then the profit will be fixed regardless of the situation on foreign exchange market. When the dollar opens, the yield depends on the fluctuations in the exchange rate. They can bring a lot more income, but the probability of risk remains.

Interest rates on such offers are low, but with long-term cooperation they can make a good profit. Investors can choose an offer:

• by the size of the bet;
• with the possibility of capitalization.

The latter is held at the end of each year, quarter, month or week.

In which bank to open a deposit in dollars?

Deposits in dollars are selected taking into account:

• terms;
• rates;
• withdrawal options;
• limit restrictions.

Before choosing currency deposit it is necessary to clarify the procedure for its opening in a particular institution. You can open an account directly at a bank branch or using a special one. For convenience, we offer a list of banks where you can open a deposit in dollars. You will have to study current offers, decide on the amount of the deposit, taking into account the limits.

Since you rushed to save money from devaluation and chose the American currency as a means of salvation, it would be nice to know which bank has the most profitable dollar deposits. But first, decide for yourself what you mean by profit. When it comes to money, it is often inversely related to reliability. Which do you prefer: or high stakes by deposits? Let's consider both options.

To get a big income, many others have been invented financial instruments, and the contribution is designed to save savings from inflation and physical loss. Therefore, rates should not be the main selection criterion. And with the current uncertainty in the economy, ideally, it is necessary to diversify risks - invest in different objects or at least keep money in different banks.

Since 2004, all deposits of individuals are insured by the state. True, the amount of compensation is limited - currently up to 1,400,000 rubles (or the equivalent in foreign currency). If you need to invest an amount within this limit, you can fearlessly open an account in any bank you like. The main thing is to check whether the bank is included in the deposit insurance system.

If you have more money, then there are two options:

• Break savings into parts and open accounts in several banks.
• Open a deposit in one of the backbone banks of the country.

A systemic bank is an organization that the state will not allow to go bankrupt. Whatever happens in the economy, the bank will survive. But such banks have one drawback - the rates on deposits in them are more than modest. They can afford it, as people "bite" on reliability. In turn, less stable organizations offer more favorable conditions to attract customers.

Those who, in the early 90s of the turbulent twentieth century, chose an unfortunate moment to open, will now disagree and say that there are no banks that you can completely rely on. But not a single financial crisis can be compared with the change in the economic and political structure of the country. These two situations are not comparable, they cannot be compared.

Therefore, your task is to determine for yourself whether reliability is a priority for you or still the rate. In the meantime, we will tell you about the most reliable and most profitable dollar deposits today.

The Central Bank presents the following list of backbone banks: Sberbank, VTB, Rosselkhozbank, Gazprombank, UniCredit Bank, Raiffeisenbank, Rosbank, Alfa Bank, FC Otkritie, Promsvyazbank.

Promsvyazbank

Interest rates are indicated taking into account capitalization. If you open, then interest rates, although slightly (by about 0.25 percentage points), are still higher.

Gazprombank

*Gazprombank's deposit involves the mandatory investment of funds in mutual funds.

RAIFFEISENBANK

Interest rates are indicated taking into account capitalization.

In addition to conventional deposits, Raiffeisenbank offers complex products. This is when you invest your funds at the same time as opening a deposit. Part of the amount is deposited into the account, and part is directed, for example, to purchase shares investment funds. The income on the deposit is fixed - in the amount of the established interest rate. Return on investment depends on circumstances. You can gain a lot, or you can lose everything. But at present, complex programs are opened only

Separately, we note the Triple Benefit product, which is still quite relevant, because it opens in three currencies at once (rubles, dollars, euros). Deposit terms - 6 and 12 months. The minimum total amount of the deposit at the rate of the Bank of Russia on the opening day is 1 million rubles, while the share of the ruble part is not less than 50% of total amount. Maximum bets(with capitalization): rubles - 4.0%, dollars - 0.7%, euros - 0.2%.

The banks that we will now name are not included in the list of systemically important ones. But that doesn't mean they're unreliable. In addition, they are included in the deposit insurance system, and you do not risk anything. However, we do not recommend opening a deposit in excess of 1,400,000 rubles (or equivalent in US dollars). Especially given the active purge that the Central Bank continues.

And yet, when you directly contact the selected bank, once again check whether the money is insured. Rarely, but it happens that the Deposit Insurance Agency excludes a bank from the system, if the activity of this organization is recognized as risky or inspires other concerns.

Renaissance loan

Investtorgbank

Upper Volga (Moscow branch)

Moskommertsbank

Tauride

BCC-MOSCOW

Current as of March 2018.

Deposits in dollars - reliable and convenient way multiplication of funds. Many citizens prefer to contact financial institutions when a large amount of money is required. In most cases, this is due to the purchase of an apartment, car or household appliances. In addition, a dollar account is an excellent option for protecting funds. Our website contains a variety of programs that will help you achieve your goals. The resource specialists constantly update the information and correct it in real time. Guests of our resource have the right to start searching for a program at any convenient time.

Benefits of using the site

Clients of our service are always looking for profitable financial offers. To save them time and money, we have created several useful systems:

This is a fairly convenient way to find profitable offers. In order to choose a program, you need a stable Internet connection and a smartphone or laptop.

Despite the fact that most deposits today are opened in rubles, in US dollars they are still very popular on Russian market. The latest crisis forced many Russians to transfer their savings from American currency to domestic, but banks continue to offer dollar programs, realizing their demand.

In the "Deposits" section, you can compare the offers of various credit institutions, choose the most profitable deposit in dollars. Almost all bank deposits in dollars are presented on the Banki.ru portal, so it is not difficult to make a choice. It is enough to make a small comparison of the main parameters of the offered deposits and choose the most profitable deposits in dollars.

It is a fairly popular way to store funds. Despite the fact that it seems to be less profitable compared to the ruble, even with a low foreign exchange deposit rate, it can bring good profit. Indeed, in this case, the investor receives not only income in the form of interest, but also due to the growth of the dollar against the ruble. It is generally accepted that dollar deposits are better protected from the negative impact of economic crises.

Opening a deposit in dollars at interest will be beneficial for those

• to whom wages are calculated in this currency
• who is trying to save a certain amount for travel
• or purchase foreign real estate,
• who doubts reliability of the ruble.

Moreover, experts usually advise to divide funds into several accounts: dollars, rubles, euros, in order to diversify risks.

Open an account in foreign currency can every citizen of Russia, Ukraine and any country of the former Soviet Union - not only a major investor, but also legal, individuals. Usually, minimum size deposit is one hundred dollars. The conditions for depositors are the same as when registering a ruble account.

Before depositing funds in dollars, you need to pay attention to some features:

• According to the duration of the accounts are divided into urgent, long-term and perpetual
• Depending on the type of registration, you can open it online or at a bank representative office
• Interest can be accrued at the end of the month, quarter, year, in advance
• There are various types of deposits - savings, savings, demand
• The procedure for depositing money into the account - with or without the possibility of replenishment

As a rule, deposits in US currency involve lower interest, more long terms , certain limit restrictions are often set, there is no possibility to withdraw funds at any time, etc., but it all depends on the specific offer.

Benefits of deposits in US currency

Many depositors choose this option to save and increase funds, so banks constantly create new offers and try to attract customers with maximum opportunities and advantages, giving them the opportunity to profitably.

Among the main advantages of the decision to put the US currency on deposit are the following:

• High level inflation protection, relative reliability and stability due to the fact that the dollar acts as an international means of payment, many other countries depend on it
• Deposit insurance for an amount equal to a maximum of 1 million 400 thousand in ruble equivalent. If the bank goes bankrupt, the state will cover the payments and settle with the client at the current rate of the Central Bank
• Most often, banks draw up an account for free, allow you to replenish it by depositing funds both in dollars and in rubles at the current exchange rate
• When opening an account with an amount exceeding one thousand US dollars, the client receives a card that works in any country in the world
• If we take into account the current exchange rate, then even small rates on deposits in foreign finance are very beneficial in comparison with ruble accounts

Disadvantages and risks of deposits in dollars

When deciding to open an account in US currency, you need to remember some of the nuances and risks:

1) It is worth looking not only at interest on deposits, but also at other indicators: bank reliability rating, features of interest calculation, Additional services etc. It often happens that with lower interest, the total amount in one bank turns out to be greater than in one where much higher interest is declared, since they use different ways charges.

2) It is desirable that the term of the deposit is indicated in the contract, not in months / years, but in days.

3) When deciding where to put a deposit in dollars, you also need to pay attention to whether interest by date deposit or on the first day of each month.

4) Be sure to find out all the possibilities of capitalization, the limit of funds, the features of replenishing the deposit, etc.

5) Familiarize yourself with termination terms contracts to know how to act in emergency situations.

6) When opening a multi-currency account, be sure to ask conversion terms currencies - at what rate is made.

7) Availability preferential terms - it is possible that when applying online or at an ATM, it will be possible to obtain additional benefits.

8) If provided a plastic card, learn about service cost, including it in the commission service.

9) Be sure to pay attention to cash withdrawal rates or adding funds, general maintenance, etc.

Some statistics on contributions to the video:

Selecting a specific offer for a deposit

To choose a profitable deposit in dollars, you need to carefully study the programs and types of deposits of different banks:

• VTB24 Bank offers a variety of programs, thanks to which you can receive from 1.7 to 3.85 percent per annum
• Sberbank makes it possible to open several deposits in a fairly wide range: from 1.8% to 5.05%, depending on the conditions and amount
• Alfa-Bank offers rates in the range of 1.1-4.9%
• Gazprombank makes it possible to open deposits with rates from 3.8 to 4 percent

All of them have different minimum amounts, terms of capitalization, payment scheme, etc. Therefore, in the process of finding the most profitable deposit in dollars in Moscow, you should personally visit the branches and deal with all the subtleties and percentages on the spot, which may vary depending on economic situation, exchange rates, the success of the bank, etc.

It should be noted that relatively profitable offer little-known commercial structures do: for example, Investtorgbank makes it possible to receive up to 5.5%, Agroinkombank - up to 7% (and is only $ 30), Republican Social commercial Bank guarantees 8% and fairly loyal conditions, Agrosoyuz also attracts customers with profitability and good conditions.

The final choice always depends on the client, but before trusting an impressive amount of funds, you need to study everything very carefully.

Well, a little joke