Banks Today Live
Articles marked with this symbol always up to date. We're following this
And gives answers to comments on this article qualified lawyer as well as the author himself articles.
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 the 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 the stability of the financial institution, guaranteed payments on deposit transactions, 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.
We figured out the reliability, now let's decide what else should be considered when choosing a deposit.
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.
Read also:
A few simple rules: how to pay off a debt on a card or a loan?
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?
| № | Bank and program | Interest rate | Deposit term | Deposit amount | Currency |
|---|---|---|---|---|---|
| 1 | Opening "High Interest" | to 10% | 1 year | from 50 thousand | not provided |
| - the shorter the term, the greater the percentage: 3 months. — 10%, 6 months. — 8%, 9 months. — 6%, 12 months. - 5%; - the deposit cannot be replenished; – interest is paid after the completion of the contract; – after the expiration of the contract, if the deposit is not was issued, it is prolonged on the terms of the deposit “Main income". |
|||||
| 2 | VTB 24 Savings Account | up to 8.5% basic; up to 10% with VTB Multicard |
1 year | any amount | not provided |
| — when opening Multicard and enabling the function "Savings" can receive an increased percentage, provided payments on the issued card; — the savings account can be replenished and withdrawn without loss of interest; - the more you spend on the card, the greater the increase will be rates. |
|||||
| 3 | NS Bank "Investment" | 9% | 6 months | from 100 thousand to 10 million rubles. | not provided |
| - interest can only be received at the end of the term contracts; - the deposit is intended for clients who have issued an ILI policy or NSJ. |
|||||
| 4 | GazpromBank Savings and Protection | 6,7-8,8% | 3.6, 12 months | from 50 thousand rubles | not provided |
| - interest is paid at the end of the term; - the deposit cannot be extended; - the shorter the term of the deposit, the higher the percentage. |
|||||
| 5 | SovcomBank " Maximum income» | 6,9-8,6% | from 1 month up to 3 years | from 30 thousand rubles | not provided |
| — the maximum rate is set in case of regular using the Halva card with a monthly purchase amount of 5 thousand roubles.; — replenishment of the deposit is provided; - interest is charged only at the end of the term, including additional 0.5% for Halva settlements. |
|||||
| 6 | BinBank "Maximum Interest" | from 7.05 to 8.3% | from 3 to 24 months | from 10 thousand to 30 million rubles. | -dollar (from 300 at a rate of 0.55-1.65%); - euro (from 300 at a rate of 0.25-0.8%). |
| - all interest can be received only at the end of the term; — possible prolongation of the deposit; — when opening a deposit in rubles, an additional an increase in interest for pensioners (+0.15%) and an increase rates by 0.3% when using the online application. |
|||||
| 7 | Promsvyazbank "My income" | 8,1-8,3% | 3-12 months | from 100 thousand rubles | -dollar (from 1 thousand at a rate of 1.2-2.85%); - euro (from 1 thousand at a rate of 0.5-1.2%). |
| - the possibility of early termination of the contract is provided with the stipulated preferential rate; – it is possible to prolong the contract automatically (not more than 3 times); - interest is paid at the end of the term. |
|||||
| 8 | Rosselkhozbank "Investment" | 7,8-8,05% | 6, 12 months | from 50 thousand rubles | - dollar (from 1 thousand at a rate of 1.4 to 2.4%). |
| - the deposit is opened for a period of 180 or 395 days; – the deposit can be opened together with the purchase of a share; - interest is paid at the end of the term of the deposit operations; - there is no limit on the size of the contribution; - in case of early termination of the agreement, interest paid at the agreed rate; - the contribution is not subject to prolongation. |
|||||
| 9 | VTB "Maximum income" | 3,24-7,14% | from 3 months up to 3 years | from 1 thousand rubles | -dollar (from 100 at a rate of 0.4-1.74%); - euro (from 100 at a rate of 0.01%). |
| - the shorter the term - the greater the percentage; - it is impossible to replenish or withdraw money ahead of schedule; - interest will be calculated at the end of the term; - capitalization of interest is possible. |
|||||
| 10 | Sberbank "Just 7%" | 7% | 5 months | from 100 thousand rubles | not provided |
| - you can only open it yourself: through an ATM, online banking or mobile app; - interest will be credited to the account at the end of the term; – prolongation is possible, but on the terms of connecting the deposit "Poste restante"; - through the bank's office, the rate is set at 6.5%. |
|||||
For each person it is important not only to save, but also to increase their savings. Financial institutions offer Russians various deposit programs. Before choosing an option for profitable investment, it is worth considering the available deposits in Moscow banks at the maximum percentage with various conditions, rates, terms of placement of funds and available operations. All deposits differ in currency, the presence or absence of capitalization, the method of paying interest and other parameters.
In the Russian capital, there are more than 50 different financial institutions offering the public different types deposits, so it is difficult to choose the best option for yourself. To put money at the maximum percentage, you need to determine the important parameters of the future account:
In addition, the most profitable deposits in Moscow should be chosen according to the conditions. For those who would like to quickly accumulate a significant amount, banks develop time deposits for 2, 3 and 6 months. Another investment option partnership programs with insurance companies. In this case, the client draws up a life and health insurance policy and receives attractive deposit conditions. Open deposits in Moscow under high percent Russians can in banks serving their payroll cards. Issuers are constantly preparing special programs with increased rates for their clients.
It should be noted that the rate for ruble deposits is much higher than for foreign exchange programs. If the client plans to spend money in Russia in the future, then it would be inappropriate to choose dollars or euros for investments. Financial institutions of the capital offer a wide range of deposits for individuals. Before placing your money on your account, you should not only read the terms and conditions, but also check. Sometimes high interest rates on deposits are offered by unreliable financial institutions in order to raise capital.
When choosing an organization for storing and increasing savings, it should be borne in mind that ruble deposits in Moscow banks with rates of more than 11-12% per annum, as a rule, are just a publicity stunt and should arouse certain suspicions. Large financial institutions, such as VTB 24, Sberbank of Russia, Alfa Bank, offer rates on ruble accounts of no more than 8.5%.
Specify profitable deposits in Moscow for today in the table:
| Name of the bank | Program | |
| "Moscow City" | "Cumulative" | Rate up to 9.25%, monthly capitalization, additional contributions are available. |
| "Premier Credit Bank" | "Beneficial cooperation" | Rate up to 9.5%, replenishable. |
| JSCB "Peresvet" | "Rational" | Up to 9.3% per annum, replenishment. |
| "Investment" | The rate is up to 9.25% per annum, without credit and debit transactions. |
|
| "Oriental" | "Oriental" | Up to 8.45% per annum, without the possibility of replenishment and partial withdrawal. |
| "TransCapital Bank" | "Spring Hit" | Up to 8.95% per annum, capitalization, replenishment. |
Modern financial institutions offer a wide range of services and products. Deposit programs provide for the opening of not only ruble accounts, but also currency ones. This investment option is especially relevant for those who plan to spend their money abroad, avoiding unfavorable conversion. Foreign currency deposits at a high percentage are offered by many financial institutions in Moscow. However, the rate for such programs is much lower than for ruble deposits. The table below shows the most attractive offers for residents of the capital:
| Maximum deposits in Moscow banks (currency - US dollar) |
||
| Name of the bank | Program | |
| "UniCredit Bank" | "For life" | The rate is 2-3%, monthly capitalization, without replenishment, debit transactions. |
| Promsvyazbank | "tradition of success" | Rate up to 1.05-2%, replenished, with capitalization of interest. |
| "Gold standard" | Up to 1.5-2.5% per annum, replenishment, capitalization. |
|
| High deposits in Moscow banks (currency - €) |
||
| Name of the bank | Program | |
| "Megapolis" | "Urgent" | The rate is 0.55-1.8%, no additional fees, partial withdrawal. |
| "Prime Finance" | "Classic" | The rate is 0.4-1.6%, without replenishment, partial withdrawal. |
| "Your savings" | Rate: 0.5-1.8% per annum, replenishment, monthly capitalization. |
|
Majority credit organizations offers special conditions on deposits for pensioners. For this category of the population, the maximum interest rates, preferential options for early account closure. opens pension contribution with a high percentage only if you have the appropriate certificate and passport. If the client receives a pension through a financial institution, then you can invest money through the issuer's remote service system.
Compare before making a final decision profitable offer Moscow banks for this category of citizens. See the table for specific deposits in Moscow banks at the maximum percentage for pensioners:
Each potential investor is primarily interested in the profitability of the deposit. All investments up to 1.4 million rubles are protected by the state. However, the best interest on deposits in Moscow banks can be found among the offers of far from the most reliable ones. financial institutions, subsidiaries or franchisees that have recently opened and are short term. Rules:
For those who plan to get the maximum income in a short time, there are term deposits. Such products are designed for 3-6 months, after which the depositor receives his money along with accruals. Deposits for 6 months at the maximum percentage are especially convenient when you need to save up for a vacation, purchase of a car or repairs, because they allow you to save and increase your savings.
See the table for offers for a period of 6 months:
Most financial institutions are ready to offer bank deposits maximum interest on the condition of long-term placement of funds on accounts. Offers for 12-36 months offer high returns and great opportunities. When selecting best option comparison can be made with:
Residents of the capital can open a deposit for 1 year using one of the offers from the table below:
All metropolitan banks have their own line of deposits. When considering various offers, some clients pay more attention not to possible income, but to the rating of the issuer's company. Choose reliable bank with high interest on deposits can be from the list below. All organizations are included in the official top 10, have an impeccable reputation, and a high rating.
Offers from the most reliable banks in Moscow:
Those who believe that savings should provide additional income should consider current offers financial institutions. Maximum rates can be obtained within the framework of current promotions, seasonal offers. The rating of deposits in Moscow banks is formed on the basis of customer feedback and conditions offered by issuers. Although it is difficult to combine reliability and maximum profitability, it is important not to neglect the reputation of issuers. Below are the popular offers of Moscow banks with detailed description parameters.
One of the most attractive offers is the ATB product. The deposit options are as follows:
This offer will be an excellent option for those who plan to accumulate a decent amount over time and increase it. The deposit options are as follows:
This offer for residents of Moscow differs in that the bank's interest grows along with the amount in the account, so the client can receive a maximum income of up to 9.33%. The conditions are as follows:
This offer is no longer relevant for residents of Moscow. However, those who previously opened a deposit continue to receive income on the following conditions:
For those who are looking for maximum income that grows with the amount placed on the account, the offer from the Standard Credit Bank will be very tempting. Credit transactions are available on the account, regular capitalization of interest and progressive accrual are provided. The main parameters of the product are shown below:
For those who plan to save a substantial amount, this product will be an excellent solution. The deposit provides for incoming operations, a growing rate, maximum size which is 8.5% per annum and the payment of accruals after the account is closed. Below are the main conditions for residents of Moscow:
This offer is suitable for those residents of Moscow who want to constantly make a profit from their savings. Interest is paid every month to a separate account of the owner. The main parameters of the program are as follows:
This offer will suit different categories of citizens. The account is opened when placing a small amount and can bring income up to 8.3% per annum to its owner. The advantage of the product is attractive rates for currency accounts. The conditions for the "Classic" deposit are as follows:
This offer is universal for different categories of customers. The client can choose the appropriate currency, term and other parameters, taking into account his own preferences. For foreign currency accounts, the deposit does not provide for high incomes, but the ruble deposit brings the owner the maximum accrual of up to 9.5% per annum. The program conditions are as follows:
Did you find an error in the text? Select it, press Ctrl + Enter and we'll fix it!
To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.
A wide range of deposit offers and promotions, the difference in interest rates, parameters and terms of placement should not distract from main task keep your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.
To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to accumulate steadily cash With additional replenishment accounts. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity banking institution plan their credit and financial operations for the same long periods.
An insurance program is in place to protect citizens' money bank deposits. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.
After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.
Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave total amount money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.
Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entry into deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.
One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.
Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.
The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. In the case of monthly capitalization of interest, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which, with a face value of 100 million rubles or more, bring an income of 7.2%.
And financial reviews will allow you to choose the best types of investments. Profitable deposits in banks are presented in the comparative table:
| Name | Program | ||
| "Savings account" | |||
| Rosselkhozbank | "Investment" | ||
| "Maximum Online" | |||
| Moscow credit bank | "All inclusive - maximum income online" | ||
| Opening | |||
| Promsvyazbank | "My income (online)" | ||
| Gazprombank | "Perspective" | ||
| Alfa Bank | "Accumulation" on demand | ||
| Sberbank | "Save OnL @ yn" |
A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.
The table shows profitable deposits of Russian banks.
| Name | Program | ||
| "Your pension" effective rate | 31 to 744 days |
||
| Rocketbank | Early termination rate 0.1% per annum | ||
| Sovcombank | "Maximum income" for a period of 90 to 181 days | ||
| Crocus Bank | "Urgent-360 (% at the end of the term)" | ||
| Confidence | "Golden time!" replenishment 90 days | ||
| Eastern Express bank | "VIP deposit" monthly interest | ||
| "Deposit No. 1" with capitalization | Up to 735 days |
||
| Baltinvestbank St. Petersburg | "Absolute CHAMPION+" | 272-366 days |
|
| Bank Master Capital | "Savings" | From 30000 rub. |
|
| Bank Zenith | "Urgent Premium" | From 5 million rubles |
Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.
To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional banking fees transferring money to accounts, converting.
It is worth considering the possibility of investing part free funds in different currencies, into gold and other precious metals. In recent years, the largest banking structures around the world choose bitcoin as their reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior and teach you how to choose the right strategy and tactics for using financial resources for creating passive income, will show new directions for acquiring assets and the most profitable investment.
We have considered the most profitable investment in foreign currency from Development Bank, but deposits with a high percentage are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.
Effective Rates deposit income on the dollar is higher than when using the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of political elites on the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union, do not add stability and prospects for investors to the euro.
The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.
02Feb
Hello! This article will focus on deposits for individuals in 2018. Today you will learn about the positive and negative aspects of opening bank deposits, how to choose the right deposit that is most convenient for you personally. What deposit rates are currently in effect. In what currency is it more profitable to make a deposit and how to protect your savings.
We have analyzed and prepared for you the rating of TOP-20 banks with favorable conditions for deposits and deposits! The article turned out to be large, so use the content.
Contribution - This is a certain amount of funds that is transferred to the bank at a certain percentage. For any citizen, this is a great way not only to save their savings, but also to increase their amount, to receive income.
The depositors of any bank can be citizens of the Russian Federation, citizens of other states and persons without citizenship. They are completely free to choose any bank that suits their conditions, and can also place their funds in several banks at the same time. Persons who are depositors manage their funds, receive income from them and perform the necessary operations specified in the documents.
Conventionally, they are divided into 2 groups:
In turn, term deposits can be divided into savings and savings. In addition, there is a third type - universal deposits. Let's analyze each type in more detail.
It is a mistake to think that if the deposit is classified as urgent, it implies only short-term storage of funds. It is called urgent only because it opens for a specific period of time. The depositor places his funds in the bank for a month, for a year, for 3-5 years, the terms of placement may be different. In turn, the bank pays him higher interest.
Of course, you can withdraw the money before the end of the deposit period, but then the attractive interest will be lost.
Some banks offer to make a term deposit on the condition that the interest on withdrawing money ahead of time will be saved. This is undoubtedly a favorable condition if the client has some kind of force majeure.
Although banks usually ask their depositors to inform in advance that the client wants to close the deposit. This is necessary to order money for a specific date.
Savings deposits - usually open to store money for a certain period of time. Savings accounts are opened in order to collect the required amount for a specific purpose.
Apart from all other categories, there is a special type of contribution - metal account. To open it, the client must purchase a certain amount of precious metals, which will be stored in the bank. The income on such a deposit directly depends on how much the selected metal costs on the market.
This option to accumulate funds is effective only when the storage period is chosen to be long. And someone generally prefers to purchase gold bars, being convinced of the dominance of gold over the world.
Also worth mentioning are the so-called universal deposits . These are deposits on a long-term basis, with the ability to make debit transactions on them (pay for utilities, the Internet, etc.). Opening such a deposit takes just a few minutes; in this case, it is not required to collect an extended package of documents.
Currency deposits - these are funds that are placed in the bank in the currencies of other states. They charge the same interest.
In addition to dollars and euros, some banks offer deposits in pounds sterling, yuan, Swiss francs. The demand for such offers is low, so their number is quite limited.
The terms of foreign currency deposits are the same as for ruble deposits: a minimum of 1 month, a maximum of 5 years. Also, deposits have some features, for example, the interest rate on them is lower than on ruble deposits. The explanation for this is simple: the ruble is a weaker currency than the euro or the dollar, which means that the owners of such savings do not lose anything, despite the low profitability.
Let's take another look - multicurrency deposit. Its presence allows you to transfer your funds from one type of currency to another, while maintaining the interest already accrued. Such transfers can be made an unlimited number of times, and this also allows you to earn money.
Interest on this species usually charged separately for each currency. You can open a deposit in any ratio of each currency. But there are banks that require that a certain percentage remain in the ruble equivalent.
There are also restrictions on the minimum deposit amount. Usually it is 3000 rubles, 100 euros and 100 dollars. At the same time, it is not always possible to replenish the deposit. And if it is provided for by the contract, then certain periods apply. Regarding the partial withdrawal, each bank leads its own line.
If you decide to open such a deposit, remember that it is ideal only for those who follow the exchange rates and have an idea about the fluctuations of these rates. Otherwise, high profitability will not work.
Specialized deposits - salary, contributions for education, housing, seasonal and so on.
Let's consider each of them in more detail:
intermediate output : Specialized deposits are somewhat more profitable than ordinary ones. By opening them, you can get higher incomes, or nice bonuses from the bank.
And about what nuances you need to pay attention to before opening a deposit, we'll talk further.
In order to find the right one for you, you still need to try and spend a lot of free time.
To make this task easier, here are some helpful tips:
Summing up a little, I would like to say that you need to approach the choice of a bank carefully, leisurely and meaningfully. But also value your money and time, do not delay making a final decision.
First of all, in order to conclude an agreement with a bank, you will need a passport. In general, now the process of opening a deposit is simplified, to save time not only for customers, but also for bank employees. If the client has already decided on the type of deposit, he needs to personally visit the branch of the selected bank, inform the specialist about his intention, who will promptly prepare the contract.
Before signing such an important document, be sure to read it carefully.
Pay special attention to:
If you are satisfied with all the conditions in the contract, sign the contract and deposit the required amount of funds at the bank's cash desk. If the deposit is opened in the afternoon, it will be valid from the next day.
Such failures are not frequent, but they are still possible.
The reasons are:
The bank has the right not to voice the reason why the client was denied opening a deposit!
In this part of our review, we will talk about what conditions for opening deposits are offered by the most famous banks our country.
Important: All information about opening deposits, conditions and interest rates, offered to your attention, was obtained from official portals presented in the review of banks. Conditions may differ if banks make changes!
We suggest considering the following banks according to the following characteristics:
Intermediate output: undeniable advantages include the stability and stability of the bank in the market, benefits for depositors when applying for a loan.
Official website of the bank.
Intermediate output: undeniable advantages include the ability to manage your funds online, closing the deposit at any time without losing accrued interest.
Official website of the bank.
Intermediate output: it is possible to manage your funds without visiting the bank in person, to open a deposit you only need a passport (if the client is a Russian citizen), but there are also moments that will not suit everyone: not all deposits can be replenished, cash for withdrawal must be ordered in advance.
Official website of the bank.
Intermediate output: of the negative points: a rather serious amount for the first installment, the range of deposits is small: there are only three of them (but this can hardly be called a significant minus). At the same time, there are loyalty programs for customers, a convenient Internet bank.
Official website of the bank.
This bank has a fairly wide selection of deposits, or rather, there are 11 of them.
After analyzing the selected characteristics, you can see the following picture:
Intermediate output: affordable amount of the first installment, deposits are insured by the state, the ability to manage your finances without leaving your home.
Official website of the bank.
Intermediate output: when placing, it is possible to receive accrued interest daily, and it is also clear that the amount of the first installment is relatively small.
Official website of the bank.
Intermediate output: there are options for deposits with a minimum down payment, as well as the opportunity to receive advice from a personal manager.
Official website of the bank.
The bank is large, has branches in many cities. The bank's customers are about 5 million individuals only, not to mention legal entities. It is worth mentioning that the bank takes a very principled position in relation to non-payers, this explains the negative reviews about its work.
Intermediate output: it is possible to receive a high income on certain types of deposits, for example, the Pobeda deposit - 10.5%, but the contribution amount is 3 million rubles.
Official website of the bank.
Intermediate output: you can get a higher percentage by opening a deposit via the Internet, it is possible to replenish the deposit, receive interest on the account.
Official website of the bank.
Intermediate output: It is possible to partially withdraw funds without losing accrued interest.
Official website of the bank.
Intermediate output: there is an opportunity to replenish all types of deposits every month, a serious plus is the ability to make the first installment several times.
Official website of the bank.
Intermediate output: this bank offers increased rates on deposits for holders salary cards for people of retirement age. It is also possible to open a deposit in favor of another person. For this, it is necessary, in addition to the client's passport, to provide the necessary data on the person in whose name the deposit will be opened.
Official website of the bank.
Intermediate output: the bank has several lines of deposits for individuals. Also, the amount of the first installment is low, from 1000 rubles.
Official website of the bank.
Intermediate output: There is no possibility of partial withdrawal of funds, but at the same time, the entire line of deposits is replenishable.
Official website of the bank.
Intermediate output: there are 4 types of deposits to choose from, it is possible to receive monthly payments.
Official website of the bank.
Intermediate output: obvious advantages include the possibility of replenishment and partial withdrawal of funds, as well as opening a deposit in the name of a third party.
Official website of the bank.
Intermediate output: the bank provides bonuses for depositors, and deposits can be closed ahead of schedule without losing interest.
Official website of the bank.
Intermediate output: the bank has a choice of several types of deposits, it is possible to replenish the deposit.
Official website of the bank.
Intermediate output: an available amount for opening a deposit, there is an online service, you can replenish and withdraw funds.
Official website of the bank.
Intermediate output: the bank has a fairly wide selection of deposits, it is possible to open a deposit via the Internet.
Official website of the bank.
Important: this table is compiled on the basis of data obtained from official resources presented in the material of banks! Data may change depending on changes in the policy of the banking organization.
Banks are arranged in descending order of the maximum interest rate
| Bank | Max. % on deposits | Conditions for obtaining max. % | Minimum down payment | Bonuses |
| UBRD | 11,0% | when opening the "Holiday" deposit | 1000-10000 rub. | "Bring a Friend" Campaign |
| Rosselkhozbank | 10,9% | when opening a deposit for a period of more than 1 year | from 10 rub. | free card attached to the deposit |
| Bank "Ugra | 10,5% | only on the "Christmas gift" deposit | 100 rub. (on demand deposit) | information not shown |
| Bank of Moscow | 10,3% | if the deposit is opened via the Internet | 1 ruble - 100,000 rubles. | for pensioners and payroll clients |
| Uralsib | to 10% | depends on the type of deposit | 100 rub. (depending on the type of deposit) | information not shown |
| Bank Tinkoff | 9,83% | depends on the type of deposit | 50000 rub. | debit card as a gift |
| Alfa Bank | 9,8% | only on the Life Line deposit | 10,000–3 million rubles | only for owners of the "Valuable time" deposit |
| Renaissance | 9,75% | when opening the deposit "Renaissance Profitable" | depends on the type of deposit | information not shown |
| Mosoblbank-Promsvyazbank | by 9.5% | depends on the type of deposit | 10000/10000 rub. | For those who opened a "Personal" deposit / for premium clients +0.25 to the main % |
| Bank opening" | 9,05% | depends on the amount and term of investment | 50000 rub. | when opened over the Internet |
| Post Bank/Russian Standard/Sovcombank | by 9.0% | The Post-Bank only accepts deposits in rubles, not in foreign currency. | 5000/10000/30000 rub. | for pensioners / no / for opening via the Internet |
| Sberbank | 8,8% | depends on the type of deposit | 1–30,000 rubles | Mortgage and consumer benefits lending |
| Bars Bank | 8,5% | depends on the type of deposit | 5000 rub. | you can open a deposit in the name of a third party |
| Binbank | 8,4% | Only on the "Monthly income" deposit | 10000 rub. | personal manager services |
| Gazprombank | 8,0% | Only for Gazprom Perspektivny deposit | 15000 - on the main line of deposits and from 100 rubles. - by special | only for premium clients |
| VTB | 7,85% | depends on the deposited amount | 100000 rub. | the opportunity to receive premium packages of services |
So, dear readers! What conclusions can be drawn based on all the analyzed information?
Firstly, it is not only possible, but necessary, to open deposits. As we can see, many banks are ready to provide various benefits and bonuses for opening a deposit with them. In particular, Sberbank is quite loyal to its depositors in terms of approving mortgage and consumer loans.
Secondly, some large and stable banking organizations (VTB, Sberbank) provide far from the most favorable conditions for deposits, in particular, not very high interest rates. In addition, VTB offers to make a rather large amount of the first installment in order to open a deposit. In the current economic situation not everyone can do it.
Of course, Tinkoff Bank is worth attention, offering not the highest interest on the deposit, but providing the opportunity to use debit card, as well as credit, which gradually increases the limit (from personal experience).
You can talk a lot, but in any case, everyone will choose a bank that is most suitable for him in terms of conditions and it is far from a fact that a high deposit rate will be a priority. Everything else is just the subjective opinion of your obedient servant.
And now let's talk about how you can open a deposit to socially unprotected categories of citizens. In particular, we will talk about contributions for pensioners.
The banking system does not stand still, but rather successfully develops in our country. now older people can afford it, thanks in large part to the mass of loyalty programs developed by the largest banks.
Under good interest, deposits from pensioners are accepted by all serious and stable banks in Russia (Sberbank, VTB, Bank of Moscow, Sovcombank). It is also possible to use large packages additional services absolutely free.
Let us consider in more detail what conditions for pensioners are valid today.
This bank has developed a range of services for the elderly. The most popular are deposits "Replenish" and "Save". Interest is charged at the rate of 7.1/7.6 respectively. The minimum deposit is only 100 rubles. It is allowed to make payments every month on the “Replenish” deposit, as well as use interest at your own discretion.
In this bank, the conditions for pensioners are very comfortable. Although there is a minus: rather high minimum contributions for all lines of deposits (from 15 to 30 thousand rubles). Interest rate for pensioners from 4.35% to 8.5%.
Developed 3 interesting proposals for the category of citizens under consideration with a minimum contribution of 1 to 10 thousand rubles. For each of the deposits, replenishment of the amount is allowed. Interest rate from 2.9% to 7.9%.
Preferential categories of citizens (a prerequisite is age over 60 for men and 55 for women) can open a deposit with a minimum amount of 500 rubles. It is valid for 6 months, and the interest rate will be 11% per annum. You can withdraw money once a month or at the end of the deposit term. Replenishment is allowed without restrictions.
Deposits for persons of retirement age have recently become very popular among the older generation. They have higher rates, the conditions are very loyal.
Deposit - this is the amount of money or securities that are stored in the bank, while the bank uses them in its financial transactions, and the depositor receives interest for this.
There are 3 types of such deposits:
Classic deposit - This is an account that cannot be replenished and money cannot be withdrawn.
Deposit with the ability to replenish - You can deposit money into this account, but you can't withdraw it.
With the third type of deposit, everything is simpler: by opening it, the depositor has more freedom in handling his funds, but he will also receive less interest.
Also, any transaction with money and securities contains "pitfalls" worth mentioning:
The pros are:
Deposit interest - This is the type of remuneration that the bank pays to the depositor for using his funds.
For a simplified calculation, use the following formula:
S = (P*I*t/K)/100
Example: citizen D. opened a deposit in the amount of 300,000 rubles for 1 year at 10.5% per annum. His income will be: 300,000*10.5*365/365/100=31,500 rubles.
If the deposit is capitalized, the interest is calculated as follows:
S = (P*I*j/K)/100
Example: citizen D. opened a deposit in the amount of 300,000 rubles with a capitalization for 3 months at 10.5% per annum. His income will be: (300,000*10.5*30/365)/100=2589 rubles (for one month).
As we can see, there is nothing complicated in the calculation, despite the “threatening” appearance of mathematical formulas.
All risks are conditionally divided into several categories. In this part, we will consider how to avoid them, or make losses minimal.
So, there are the following types of risks:
The first group of risks is minimized simply: money is placed in different banks, up to 1 million 400 thousand rubles (deposits up to this amount are insured by the state).
When reinvesting, the situation may be as follows: the client opened a deposit for 6 months at 9% per annum, and after 6 months the rates fell, he will receive 7%.
Tax payments will be collected if the rate on your deposit becomes higher than the refinancing rate by 5%. Then a tax of 35% will be taken from the excess.
The risk of increasing deposit rates is as follows: the client opened a deposit for a long time at 11% per annum, and a year later the rates increased to 14%, which means the client will lose 3%.
General advice: choose carefully to minimize risk banking organization as mentioned earlier!
In the light of the events that are taking place not only in the domestic but also in the global economy, experts advise keeping your savings in several types of currencies: rubles, euros and dollars. In addition, some banks offer to open multi-currency deposits. . On the other hand, there are those who accept savings only in ruble terms (Post-Bank).
In general, at the moment we can say that all world currencies are unstable. Therefore, the most correct decision would be: for 60% of the amount, open a ruble deposit, and the rest equally between foreign currencies. We conduct calculations in rubles, so the amount of such a contribution will exceed the rest.
This principle of distribution will allow you to save the earned funds as much as possible.
In conclusion of today's conversation, I would like to note that deposits are profitable financial instrument. They are safer and more transparent than loans, but before opening a deposit, study all the conditions.
Do not be afraid to seem like a picky client: ask all your questions to a bank employee, carefully read the contract.
And in the end, we offer you to watch a useful video:
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.
Attention: the most up-to-date information on current rates and conditions - (updated weekly).
As is known, State System deposit insurance 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.
Perhaps this is the first bank that almost every Russian will think about out of habit. Now Sberbank:
1 seasonal deposit "Catch the profit" - from 7.1% to 7.65% per annum;
8 time deposits in rubles and dollars (up to 5.75% on the "Save" deposit in rubles);
- 6 deposits for owners of service packages "Sberbank First" and "Sberbank Premier" - "Leader Save", "Leader Replenish", "Leader Manage" and "Special Save", "Special Replenish", "Special Manage". Rates in rubles - from 4.70% to 6.85%, in US dollars - from 0.90% to 3.40%, in euros - 0.15% -1.0%.
3 online deposits in rubles and dollars (rates are higher than term deposits, on average by 0.25%);
- 3 pension deposits.
Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible. 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.
This bank offers several deposits on various terms (we can say that they are about the same with VTB as with Sberbank):
Seasonal deposit "Growth Time", opened until April 30, 2019 for 180 and 380 days, with a maximum rate of 7.60% (with online opening - 7.70%). With the amount of purchases from 75,000 rubles on the VTB Multicard, the deposit rate may increase to 9.2% per annum.
3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 2.50% to 7.16% per annum in rubles, from 0.01% to 3.56% - in US dollars, in euros - 0.01 %-0.96%.
3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at the same rates, but with a lower initial investment amount.
Savings deposit with flexible conditions in rubles. VTB Multicard holders have the opportunity to open a Savings Account at rates ranging from 4% to 8.5% per annum, with the interest rate depending on the monthly amount of purchases on the Multicard.
This bank has a variety of offers on deposits: there is an investment one, including investments in mutual funds (up to 8.2%), savings deposits for various purposes in rubles (up to 8.0%), dollars (up to 3.25%) or euros (up to 0.40%). A deposit is also offered for pensioners at 6.8% 7.5% in rubles, 1% -2.05% in dollars and 0.01% -0.35% in euros. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB.
Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rates - up to 8.55% in rubles, 4.50% in dollars), 2 pension savings programs (up to 6.85%). Some deposits are standard savings accounts, the maximum rate for which reaches 6.45% in rubles, 3.40% in dollars, 0.65% in euros. Interest rates here are higher compared to some other banks, and the placement conditions are wider - interest at the end of the term or monthly, with replenishment / without replenishment, with partial withdrawal / without withdrawal, that is, for every taste.
This bank offers 6 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 6.0% ("Universal") to 7.5% per annum ("Maximum income +", "Pension!"), And in foreign currency - up to 1.0% on the deposit "Maximum income" . 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 offers: two currency deposits: up to 2.50% in US dollars and up to 0.5% in euros, several ruble deposits with different conditions: from 5.5% to 8.0% per annum, 2 deposits for pensioners can be opened in Russian rubles(from 6.2% to 7.7% per annum), another deposit in rubles can be opened at 7.7% per annum, having an amount of 1 million rubles. 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 2 to 24 months.
MTS Bank offers 9 deposits in rubles/dollars/euro, including investment and pension deposits. Rates in rubles from this bank are in the range of 5.0-7.8%, and in foreign currency - from 0.01% to 3.30% per annum. You can choose a deposit with the most flexible conditions at a good percentage. An additional 0.25% to the base rate can be received by clients opening a deposit in the Internet bank, as well as payroll clients - with a deposit amount of 50,000 rubles or more.
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.
Updated February 2019.
