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 the highest interest rates on deposits. To get to know the best deals 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, taking into account the variety of offers. Regardless of what matters to you - the flexibility of conditions, the presence of capitalization or maximum income- here you will find the highest interest on deposits in Moscow and will be able to profitably dispose of your money right now.
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:
Term deposits with the highest interest can also be found among 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. With an impeccable reputation big banks do not need the highest rates to attract investors - many of them choose reliability and stability instead 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 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 a higher rate, exceeding the refinancing rate by 5 points, will entail the payment of a tax of 35% on the difference between the 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 great deals with "Creditznatok"!
Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.
Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.
The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or in electronic format and read all the points carefully, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state for legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. Wherein this species The deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").
The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.
Online Assistant
On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. site is the largest financial supermarket Runet, successfully functioning for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru
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Working in a bank in initial positions is a good option for employment. As a rule, there are no strict requirements for applicants, so anyone who wants to try himself has a chance. Let's figure out what positions you can apply for if you have little or no work experience.
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5.75% per annum - this is the maximum rate of return of the new deposit program of BBR Bank, called "2020". The most attractive rate is provided in case of depositing funds for 700 days (a deposit can also be made for 200 or 500 days).
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Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of the effective ways to increase the amount of savings are deposits. Many banking organizations offer to open them, of course, on different conditions. How to choose profitable deposits for yourself, we will discuss today.
A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement on placing money in rubles or another currency in a bank account.
Submit a contribution for individuals any citizen has the right, regardless of his social status and financial situation.
We will analyze the conditions for opening deposits according to several criteria.
We also immediately note important information: all data relating to interest rates and opening conditions are obtained from the official websites of banking organizations. It can change, be supplemented, this is the prerogative of banks.
Summary: convenience of opening, the ability to withdraw and replenish the account at any time, quite a lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.
Summary: the bank is certainly reliable, stable, supported by the state. Participates in the deposit insurance system, you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.
Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be counted among negative aspects. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.
Summary: the amount of the down payment is available to everyone, there are no restrictions on the terms of the deposit.
Summary: not all deposits are available for replenishment, cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.
Summary: a bank participating in the deposit insurance system, there is the possibility of personal counseling.
Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, a relatively small minimum contribution.
Summary: there is an opportunity to replenish the deposit amount, online opening is available.
Summary: there is the possibility of earning a serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.
Summary: it is possible to make a minimum contribution in several payments, there is the possibility of monthly replenishment.
Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.
Summary: a small amount of the first installment, the choice of deposits is wide.
Summary: the bank raises the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.
Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive% every month.
Summary: opening is available in rubles and in foreign currency, you cannot partially withdraw money, but at the same time you can replenish the entire line.
Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.
Summary: can be replenished open deposits and withdraw some funds.
Summary: deposits can be replenished and withdrawn in parts, initially you can deposit a small amount.
Summary: banking institution offers a wide range of deposits to choose from.
Summary: the bank offers a fairly wide choice, when opening in the Internet bank, the percentage is slightly higher.
| banking institution | Deposit maximum | Fee for opening | Possibility of withdrawal/replenishment |
| 10% | 100 rubles | Yes Yes | |
| 9% | 1000 rubles | Yes Yes | |
| UBRD | 9% | 1000 rubles | Yes Yes |
| 9% | 1000 rubles | not for all deposits | |
| Promsvyaz Bank | 9% | 10 000 rubles | Yes Yes |
| Tinkoff bank | 8,8% | 50 000 rubles | Yes Yes |
| 8,7% | 10 rubles | Yes Yes | |
| 8,6% | 5000 rubles | Yes Yes | |
| Russian Standard / Sovcombank | 8,5% | 30 000 / 30 000 | Yes Yes |
| 8,3% | 1000 rubles | Yes Yes | |
| 8,25% | 5000 rubles | Yes Yes | |
| Home credit bank | 8,22% | 1000 rubles | no Yes |
| 8,1% | 1000 rubles | Yes Yes | |
| Bank opening | 8% | 50 000 rubles | Yes Yes |
| 7,8% | 100 rubles | Yes Yes | |
| VTB 24 | 7,4% | 200 000 rubles | Yes Yes |
| 7,3% | 10 000 rubles | Yes Yes | |
| Alfa Bank | 7,2% | 10 000 rubles | Yes Yes |
| 7,0% | 1 ruble | Yes Yes |
In the next part of our conversation, we will consider how to properly compare contributions.
It is clear that the most important indicator in comparison, most people consider the interest rate. But no less important are the indicators that we have already considered in the table above: the ability to withdraw money and replenish the account.
The level of income that you receive on a deposit depends primarily on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Bets on foreign currency deposits always lower than in rubles.
Separately, we note that at present, opening deposits without visiting a bank office, online or through an ATM, is becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also wrote about this in the article.
If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – actually below.
There is one more criterion for comparison: the size of the minimum and maximum contributions. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expenditure transactions. talking plain language, this means that if you withdraw funds partially, this amount must remain in the account.
You cannot withdraw more than this amount, you will lose everything that was accrued. This is especially important for investors who have small amounts of funds, invest them in order to withdraw the maximum at any time.
It would seem that nothing complicated: you open a deposit so as not to lose money, save it, and also increase its amount. But there are a number of other goals as well. Let's talk about them.
1. Earn.
Don't be surprised, it's entirely possible. Often, banking organizations hold promotions of a different nature. If circumstances go well, you can get additional income.
2. Get benefits.
Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, there will be preferential terms on mortgage lending. Imagine, there are not so few who want to.
3. Protect your money from inflation.
If you have set such a goal for yourself, then you can choose almost any type of contribution - all of them will help with this. Keeping money at home in a box is not the best option, sooner or later inflation will eat it up, and no one is safe from thieves.
4. Save up for a big purchase.
We all know that there are people who do not have money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but there is none.
In this case, it comes to the rescue. Bank deposit. And it is better such that it was impossible to withdraw money ahead of schedule. Then it will work.
And now let's talk in more detail about what deposits generally exist and how they are classified.
To attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more new ones. We will now consider the most popular types of deposits for us - ordinary people.
All contributions can be divided into 2 categories: urgent and poste restante. Term deposits are opened for a certain time, demand deposits do not have a specific period.
Savings.
It is worth noting that the most high stakes exactly for this group. In addition, such deposits are not always allowed to withdraw money, as well as deposit funds into the account.
Estimated.
Thanks to the presence of such a deposit, you can control your finances and manage your savings. Another such contribution is called universal.
Cumulative.
Provided for such clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.
Special.
These are deposits that are offered to open to certain groups of customers. This includes contributions for students, pensioners and so on.
By seasons.
Dedicated to some time of the year. They often have quite high rates, but there is no rollover option.
Mortgage.
Designed for those who want to save on their own an initial fee by mortgage. They can be replenished, but cannot be renewed automatically.
Part of the funds or the entire amount immediately after the end of the contract will be directed to pay the mortgage fee. Now in the Russian Federation such a deposit is not found in all banking institutions.
indexed.
This deposit belongs to the term term category and is tied to a change in the value of an asset. The asset can be the dollar, securities, precious metals, and so on.
Multicurrency.
The meaning of such a deposit is that the funds are stored in various currencies: most often these are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.
The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. Commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.
Baby.
Opened in the name of a child who is not yet 16 years old. The contribution is targeted.
Numbered.
A person deposits funds into it only in cash. When opening such a deposit, the client can count on the complete anonymity of his account.
Choosing a banking organization that you can trust with money and not be afraid to lose it will take a decent amount of time.
To make this task a little easier, here are a few tips:
It is not always possible for a potential depositor to adequately assess the reliability of the chosen banking organization.
Mistakes, by the way, are allowed the most banal:
Summing up a little, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.
Thanks to the introduction of this system, a person can return his money, even if the bank is recognized or his license has been revoked.
In 2017, deposits up to RUB 1,400,000 were insured. If you have deposits in several banks and all these credit organizations went bankrupt, you will receive 1,400,000 from each.
This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the exchange rate that is valid on the date of revocation of the license from the bank. Recalculation is carried out in rubles.
A banking organization, without voicing a reason, may refuse to open a deposit to a client.
This happens infrequently, and the reasons may be of the following nature:
In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for their safety. We propose to analyze the lines of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.
Most of deposit programs does not require payment. The tax will be charged only if the level of income exceeds the established by law. But this year, banking organizations have lowered deposit rates due to the fact that they have increased insurance rates. Which means high level profitability is not to be expected.
You may ask: do you have to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course, make the payment. But if within 3 years you have not been notified about this, you can not pay.
To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of a banking organization. Before you trust your hard-earned money to the bank, try calculating the interest yourself. It may seem complicated to you, but we will try to explain how to do it in the simplest possible way.
First of all, you should not completely trust the calculation of the deposit calculator.
They will not show real results, because:
And now let's go directly to the terminology and calculations.
Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.
Under the concept of% on the deposit understand the amount that the bank pays to its client for the use of his money.
The rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.
If we're talking about easy way accrual%, then they are not added to the deposit amount, but are transferred to the depositor's open account.
In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has grown, which means that the total profitability is also growing.
We calculate interest in the case of simple accrual:
S = (P x I x t / K) / 100, where:
Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. Calculation of % is simple. After the end of the deposit period, O.'s income will be: (200,000 * 9.5 * 365 / 365) / 100 \u003d 19,000 rubles.
If complex interest calculation is implied, the calculation will look like this:
S = (P x I x j / K) / 100, where:
Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the expiration of the deposit period, O.'s income will be: (200,000 * 9.5 * 180 / 365) / 100 \u003d 9369 rubles. (for 6 months).
Under the prevailing economic conditions depositors prefer to keep some of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.
In addition, there is one more subtlety: DIA starts insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.
This is an important question that cannot be left unanswered. After all, everyone knows very well that any medal has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss the possible risks.
The most common are the following:
And now a little more.
The bank has been declared bankrupt.
To somewhat reduce the possibility of such a situation, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return the money to you.
Payment of VAT.
This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.
Increase in rates for deposits opened for a long time.
If you open a deposit at 9% per annum, for a period of 36 months, and a year later the rate has become 12%, you lose 3% of income.
Liquidity.
This risk arises if you terminate the contract early term deposit. It is better to open a deposit, where funds can be partially withdrawn.
Reinvestment risk.
Let's say you opened a deposit for 6 months, at a rate of 10%. You plan to reinvest these funds. But after 6 months, the rates dropped and now you can only get 8% per annum.
To minimize risks, choose a bank carefully.
Recently, revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people turned to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.
What is the point of this scam? It turned out that banking organizations were kidnapped cash from the accounts of their depositors. Double bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.
After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts, there was nothing to compensate.
How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize by itself.
Proceed according to this algorithm:
Of course, this procedure will make you spend not only time, but also nerves. Although, most likely, the outcome will be positive.
You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.
So, our dear readers, now you know how to choose the right bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.
