During economic crisis, which began in 2015, many Russians are interested in how to save their savings. Deposits individuals remain one of the most affordable and popular ways to invest. However, today investors are not chasing high interest rates, but are primarily interested in reliability. credit institution. Therefore, in the article we will tell you what the size of the rates depends on, find out whether it is possible to find deposits with high profitability in reliable banks and analyze the conditions for deposits of credit institutions from the TOP-10, TOP-30 and TOP-50.
The main factor that affects the interest on bank deposits is the level of inflation and the stability of the national currency
Where do rates come from?
There are a number of factors that influence rates:
The economic situation in the country. Financial system depends on the state of the economy - taking into account the level of inflation, the availability of resources from banks and external loans from the state. If funds are needed to repay loans, then banks begin to attract money from individuals, so the liquidity shortage factor significantly affects the deposit policy of a credit institution.
· Refinancing rate. The higher the Central Bank raises the percentage of refinancing, the higher At the same time, with an increase in refinancing, interest on loans also rises, and this negatively affects the situation in the economy.
· Size limitation. The Central Bank establishes a basic level of profitability of deposits and if it exceeds by 2%, the bank pays increased contributions to the deposit insurance fund. In January 2016, the baseline was at 11.268%. Thus, if the rate on deposits exceeds 13.268%, then the bank pays an increased fee.
Demand for loans. High level lending stimulates higher rates on loans, and if banks make high profits, they can pay high interest.
· Major banks usually they are in no hurry to increase the conditions, because they do not need to raise additional funds.
· Features of the deposit program. The term of the deposit, the amount, the scheme of payment of interest and the possibility of replenishing or withdrawing part of the funds from the account affect the amount of interest. Typically, the maximum income is accrued on long term and a high deposit amount with interest paid at the end of the term. However, now deposit policy bank depends on internal goals, so it is difficult to make a forecast.
· Rates on deposits in rubles are higher than in foreign currency, but the currency is less subject to devaluation, and inflation eats up almost all income from ruble deposits.
· Social programs. Given the heterogeneity of society's income, banks offer differentiation deposit programs, which differ in the size of the first installment, interest calculation scheme, terms and profitability.
· Seasonal offers. Such deposits are usually timed to coincide with holidays or, on the contrary, are designed to stimulate demand during a period of seasonal decline in interest in banking products.
Below we will consider the programs of several banks occupying different positions in the reliability rating, and analyze the level of their profitability.
What conditions are offered by the TOP-10 organizations
The main advantage is the low amount of the first installment (from 1000 rubles, 100 US dollars and euros), and the opportunity to receive regular income. Interest is calculated monthly, after which it can be added to the principal amount or withdrawn from the account.
Among the bank's deposits, basic programs stand out: - with maximum profitability, and - with the possibility of replenishing and withdrawing part of the funds. There is also a charitable contribution "Give Life", and - in British pounds sterling, Japanese yen and Swiss francs. Pensioners can issue any product at the most favorable conditions regardless of the amount of the first installment.
: "Perspective" - for high income, "Cumulative", "Dynamic" - with replenishment and withdrawal of part of the funds, as well as "Rentier" - with monthly interest payments and the lowest yield. The bank also has special programs for pensioners (“Pension”), pensioners who receive pensions through the NPF “Gazfond” and clients who want to have additional income from investments in mutual funds - “ Investment income". The yield of Gazprombank's deposits is much higher than that of Sberbank, the amount of the first installment is available to almost all depositors, however, interest is accrued at the end of each year of storage and at the end of the term.
With high profitability - "Victory", with a monthly payment of income - "Premium", with preferential terms early termination for wealthy clients - "A +", a charitable program - "Line of Life" and deposits with the possibility of withdrawal and replenishment - "Potential" and "Premier", as well as multi currency deposit. The placement amount is available to all depositors, but interest can only be withdrawn on the “Premium” and “Potential” deposits (with the possibility of replenishing and withdrawing part of the funds).
The yield at Alfa-Bank on the Pobeda deposit is clearly higher than at Gazprombank, but the Premier deposit, with a high currency percentage, in rubles is inferior to Gazprombank. But on a deposit with the possibility of withdrawing and replenishing, Gazprombank wins in all respects.
What organizations from the TOP-30 offer
There is an account for pensioners, a multi-currency deposit and basic programs for high income and free financial management. The maximum rate is accrued under the "My Benefit" program without the possibility of replenishment and withdrawal. The “My piggy bank” deposit is suitable for those who want to replenish their account and receive regular income, and the “My Opportunities” program is designed for comfortable savings management. The amount of the first installment in Promsvyazbank is quite high, but the profitability of deposits is higher than in Gazprombank and Alfa-Bank, only in the category of deposits with the possibility of withdrawing funds in rubles, Gazprombank wins.
Not only classic products are presented, but also a pension, charitable and multi-currency deposit, as well as a program for VIP clients and a deposit for parents. The amount of the first installment is quite small, but interest is accrued at the end of the term, and monthly capitalization or payment is provided only for special deposits (“Pension”, “Do good”, “Person”). As for profitability, Bars is inferior to Promsvyazbank in all programs, but if compared with Gazprombank and Alfa-Bank, then it is necessary to analyze the rates for each product separately.
Uralsib Bank offers a wide range of high yield deposits. Among the bank's programs, in addition to programs with replenishment and withdrawal of funds, there is a charitable deposit, "Deposit + Mutual Fund", pension and multicurrency deposits. The profitability of programs in rubles is slightly lower than in Promsvyazbank, but in the currency Uralsib does not offer very much good interest compared to competitors.
What interest is charged in banks from the TOP-50
"Investment in the Future" for clients who have issued a policy of accumulative or investment insurance life, "Maximum percentage", " Monthly income” with replenishment and “Magnificent Seven” with the possibility of withdrawal and daily capitalization of interest. The profitability of MDM Bank's products is slightly lower than that of Promsvyazbank, and even higher for deposits with withdrawal and replenishment (but lower than that of Gazprombank), however, in terms of currency, Promsvyazbank is inferior to MDM Bank.
Home Credit Bank offers 3 basic products in rubles and one in foreign currency. The amount of the first installment is only 1000 rubles, interest is accrued monthly, it is allowed to replenish the account, but withdrawals are not provided. Deposits differ only in terms and in the size of the rate, which is charged regardless of the amount. In dollars and euros, the “Profitable Year” deposit is issued in the amount of $ 100, interest can be withdrawn or added to the principal amount monthly, but the yield is lower than in MDM Bank or Promsvyazbank.
In OTP Bank, you can choose a program for every taste with high rates or flexible conditions. The amount of the first installment on OTP Bank deposits must be at least 30,000 rubles. Only two deposits are issued in foreign currency, but their profitability is lower than that of competitors. In rubles, the rates are good, at the level of the leaders of the rating.
How to choose the right deposit
Most of the presented banks show high profitability on deposits in rubles. Sberbank is inferior to competitors in terms of the rate, but wins due to its reliability and flexibility of conditions. In other banks, you need to compare the conditions for each program separately, taking into account the amount and term of placement, as well as additional options (the possibility of withdrawing, replenishing, capitalization), because each of the opponents offers favorable interest under certain parameters. For a better comparison, it is advisable to use the deposit calculator, which is available on almost all banking portals.
It is interesting that earlier the most profitable programs in rubles were distinguished by high profitability in foreign currency, but now opposite trends are observed. Many banks have high rates in rubles, but low in foreign currency or vice versa, so you should carefully study the conditions before choosing a program. For example, at the moment, MDM Bank, Promsvyazbank, Home Credit and Alfa-Bank offer favorable interest in foreign currency.
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 by 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
Most big stakes on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.
A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.
Most deposits that are issued at maximum interest have common features. They cannot be replenished, it is also forbidden partial withdrawal money without losing interest. The only exception is short-term deposits for a period of 1-3 months. But they are generally not term deposits, and savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:
Thinking where to invest money in 2020 so that they work, many are wondering: which bank has the most a large percentage by deposits. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.
"A profitable approach"
ICD
| 7,3%
bid | from 50 000 sum | 375 days term |
For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Takeoff"
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100 000 | 368 - 1800 days |
Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3 000 | 31 days - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100 000 | 122 - 731 days |
Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term
"150 years of reliability"
before 5,1%
| from 500 000 | 3 – 36 months |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For Savings"
Gazprombank
up to 5% | from 15 000 | 3 months - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Growing Time"
VTB bank
up to 5.0% | from 30 000 | 180 - 380 days |
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Victory+"
up to 4.92% | from 10 000 | 92 days - 3 years |
Without replenishment
Without partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1 000 | 1 month - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Bank / Deposit |
|
| 7% | "Takeoff" |
| 5,32% | Gazprombank "Savings account" |
| 5,27% | "In reserve" |
| 5,22% | FC Otkritie "My piggy bank" |
| 5,02% | "Savings account" |
| 5% | Moscow Credit Bank "All Inclusive Maximum Income" |
| 4,82% | Pobeda+ Premium |
| 4,51% | VTB "Piggy bank" |
| 3,96% | "Save" |
| 3,81% | UniCredit Bank "First class" |
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.
Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.
A strict austerity regime, hard work, an inheritance, or a gift can give you a free amount of money to spend with the most different ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.
Since interest on deposits in Moscow largely determines how much the deposit will be added to the original, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.
Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:
Thus, if you want to open a deposit at high interest, then try to correctly plan your budget in order to be ready to comply with certain restrictions:
Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.
In addition, you can choose the period of interest payments. There are several options:
All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.
In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.
To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.
The deposit calculator on this page will help you quickly get all the necessary information on current deposits:
After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.
Two years ago, our banks under New Year pleased depositors with holiday promotions, during which deposit rates increased noticeably for a while, sometimes by 1-2 percentage points. But it seems that those cheerful times when banks willingly increased their liabilities in order to distribute more loans at the end of the year have passed.
Analysis recent changes on the market of foreign currency deposits showed that some banks nevertheless began to increase their interest rates, mainly for dollar savings. However, this movement cannot be called a trend, since most of the credit institutions, on the contrary, continue to reduce the profitability of such deposits. The new price often differs from the old one by 0.3-0.5 p.p. Today is the most high rate here 2.9-3.5% per annum, but the threshold for opening such a deposit starts from 100,000 or more US dollars. But the yield of 2.7% per annum is quite affordable for small investments.
The most expensive Sberbank deposits at the moment look like this: 1.25% from $20,000, 0.25% from €20,000, 6.85% from 700,000 rubles. And up to 8% -.
Inflation, which is desirable for a depositor to focus on when choosing a deposit, reached a level of 5.8% in November 2016 (a month earlier - in October it was 6.1% per annum). The Bank of Russia has not yet abandoned the 4% target by the end of next year, but is already expressing fears that inflation in Russia will hang at 5-5.5% for a long time. And there are good reasons for this forecast, primarily related to rising food prices and inflationary expectations of the population. However, no one excludes the risk of devaluation shocks, which, for example, in 2014 gave rise to prices and bank rates unprecedented acceleration.
| Bank | Max. deposit rate in rubles (% per annum) | Max. rate in US dollars (% per annum) | Place in the asset rating (October 2016 result) |
| Bank Premier Credit Profitable cooperation | 10,5 | 0,5 | 381 |
| BBR Bank new year sprint | 10 | 2 | 104 |
| SDM-Bank pension | 9,8 | 1,2 | 94 |
| International Bank of St. Petersburg Superdeposit | 9,75 | 2,25 | 93 |
| Intechbank Investor | 9,6 | 2,1 | 120 |
| Banks from TOP-50 | |||
| Russian standard refillable | 9,5 | 2 | 21 |
| AK Bars Holiday percentage | 9,3 | 1,2 | 20 |
| Absolut Bank progressive income | 9,15 | 1,7 | 34 |
| Home Credit Bank Maximum income | 9 | 1,5 | 42 |
| Sovcombank Maximum income | 9 | 1,75 | 19 |
Bank Premier Credit, deposit Beneficial cooperation
There is a fairly high rate even for small investments from 30,000 rubles. The yield depends on the term - the longer it is, the higher the percentage in the line 2-8-9-10.5% per annum. You can choose the exact number of days of the deposit agreement yourself within the limits: from 31 to 367. Profit is paid out once a month. The bank is reluctant to accept foreign currency from customers, so here the maximum rate for dollars and euros is 0.5%, which is present in other deposits.
The offer is valid subject to additional conditions described on the bank's website. This deposit does not have any options, that is, neither partial spending, nor replenishment, nor early maturity benefits are provided.
A small Moscow bank, however, with five offices in the capital and two in the region. The level of creditworthiness of the financial institution is rated by Expert RA.
BBR Bank, deposit New Year's Sprint
A seasonal promotion, valid until the end of January, offers depositors a 10% annual rate with a minimum savings of 30,000 rubles. There is only one term here - 300 days, without the possibility of another choice. All interest is paid at the end of the contract. Foreign currency savings can be placed on another deposit "Profitable" at 0.8-2% per annum for up to two years.
Of the additional functions, there is only the possibility of replenishing the account. It is limited to the first month after the signing of the contract and a minimum amount of 30,000 rubles. for each incoming transaction.
The shareholders of the Baltic Development Bank are also its board of directors. The activity of the credit institution is represented by two additional offices in Moscow and five regional branches.
SDM-Bank, Pension deposit
Profit percentages, although fixed for the entire term of the contract, however, their specific value depends on the moment the deposit is opened. Under the terms of the offer, the yield is equal to the Central Bank rate (which sometimes changes) reduced by 0.2 percentage points. Today, the deposit agreement is concluded at 9.8% per annum. The most remarkable thing is that the term of the deposit is possible within 3-5 years, where the client himself determines the exact number of days. Quarterly capitalization will increase profits.
The account can be replenished for almost the entire period, except for the last three months. It also provides for a one-time partial withdrawal of the amount within 1/3 of the deposit volume. There are also benefits for early termination.
A bank with nine regional offices can hardly be called small. Capital residents are served by thirteen branches.
International Bank of St. Petersburg (IBSP), deposit Superklad
The investor can choose one of three terms: 271-367-547 days. They correspond to rates: 9.25-9.75-9.25% per annum in rubles or 1.9-2.25-1.9% in US dollars. Interest is paid in the form of rent - once a month without capitalization. The rate can be increased by 0.2 p.p. subject to the conditions posted on the bank's Internet portal. The lower entry threshold is 1,000,000 rubles.
The deposit is replenishable. Additional contributions from 100,000 rubles. or 3,000 USD/EUR are accepted in the first nine months of the contract. You can withdraw money from the deposit ahead of schedule with the preservation of part interest rate starting from the third month of the contract.
Petersburg Bank is represented in Moscow by one branch. In total, the financial institute has five branches in the regions, in addition to the head business in the Northern capital.
Intechbank, deposit Investor
The minimum contract amount is 50,000 rubles. The return on investment is 9.6% per annum. There is only one term without a choice - 372 days. Profitable interest is paid every month to the current account, from where they can replenish the deposit, i.e. make a "manual" capitalization. Additional conditions for opening a deposit - read on the bank's website.
Replenishment is possible in any amount and at any time of the contract. It is also possible to withdraw part of the deposit without completely closing it, leaving the balance of at least 500,000 rubles intact. Early termination for a period of more than six months will retain all interest accrued up to this time.
One of several banks in the Republic of Tatarstan has four regional branches. The Moscow branch is represented by one office in Gostinichny proezd.
Russian Standard, deposit Replenished
Minimum an initial fee- 30,000 rubles. True, when opening a deposit through Internet banking, the initial threshold is reduced to 10,000 rubles. The client is given a choice of two terms of 181 or 360 days, which correspond to two rates depending on the currency: in rubles - 9-9.5% per annum, in dollars 1.5-2%, in euros 0.75-1.25% . Method of accrual of interest - all at the end of the term.
Additional terms of the contract are represented by two useful options: unlimited replenishment and the ability to open an account remotely.
is the largest financial institution in Russia specializing in retail lending. Of its more than one and a half hundred branches across the country, almost three dozen are located in Moscow.
Ak Bars, contribution Holiday percentage
The best ruble rate bank 9.3% per annum is valid for two terms - 186 or 372 days. For a period of 93 days, the yield is slightly less - 9.2% per annum. The minimum amount of savings placed on a deposit is 30,000 rubles. Once a month, the depositor is paid interest. The offer is valid until the end of this year. Using the Internet, the investor can increase the yield by 0.2 p.p. The best currency deposit is called "Person".
An increase in the deposit amount is possible, but there are restrictions on the term and amount: for each operation, at least 5,000 rubles. during the first two months after opening.
The biggest regional bank Republic of Tatarstan. Among the 32 branches of the credit institution throughout the country, there are two branches in Moscow.
Absolut Bank, deposit Progressive Income
The contribution is from what is called "ladder interest", which means that every quarter the percentage yield changes. The average result is the following. For amounts from 50,000 rubles. average total 8.15% per annum, for amounts from 1,400,000 rubles. - 9.15%. The duration of the contract is 367 days. At the choice of the depositor, interest can be withdrawn in the form of rent or capitalized. Currency savings are accepted on another deposit "Absolute maximum +".
Receipt transactions are possible only in the first half of the term of the contract and in total amount up to 1,000,000 rubles The minimum threshold for each additional contribution is 3,000 rubles. A preferential rate is provided if the deposit is closed before the deadline.
The credit institution is represented in Moscow by 13 offices. The bank's branch network covers five regions.
Home Credit Bank, deposit Maximum income
With a maximum rate of 9% per annum with slightly different conditions. Both deposits are designed for savings from 1,000 rubles. If the deadline for " Maximum income"- 18 months, then "Capital" - 36 months. The interest accrual system of the first one is a monthly rent or capitalization to choose from. The second - all interest is issued at the end of the term. Look for the maximum foreign exchange income in the “Profitable Year” deposit product.
Both deposits are replenishable. The amount of credit transactions - from 1,000 rubles. There are restrictions on the replenishment period. Both accounts can be opened via internet banking.
The bank is one of the leaders in the POS lending segment, so its branch network is represented throughout Russia. 23 departments are marked on the map of Moscow.
Sovcombank, deposit Maximum income
On a deposit, you can invest from 30,000 rubles. or from 5,000 USD/EUR. The range of terms is from 31 to 365 days, within which the rates are valid: 8.8% or 9% per annum in rubles. The highest of them are for investments for a period of 3-6 months. The depositor is free to independently choose the duration of the contract up to a day. Interest is at the end. Operations through the Internet bank will add 0.3 percentage points to the rate.
Of the convenient options, there are only additional payments. But pay attention to the statement of the bank that it can refuse the depositor credit transactions any time.
Oksana Lukyanets, expert at Vkladvbanke.ru
