Rating of savings banks maximum investment rates. In which bank to open a deposit at a high interest rate? The best deposits in euro

It is formed on the basis of the total amount of incoming funds. If you are looking for a financial institution with high rates, thanks to the ranking you can choose the right one. Based on the information provided, you will be able to choose the best offers for profitability and interest rates.

Features of the formation of the rating of Russian banks on deposits

Russia on deposits is formed according to the data of the Central Bank of the Russian Federation. The analysis also takes place on other indicators:

• Positions in the ranking compiled by independent agencies.
• The opinion of customers who have already made transactions in this bank.
• Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the equity capital of the institution. The more funds, the less likely it will be declared insolvent.

Rating of banks in Russia by deposits of individuals in 2020

In 2020, the top best Russian banks in terms of deposits have not changed much. The higher the place in the list, the more confidence in this financial institution. Usually, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top best banks may vary depending on different indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks for today is formed according to the reports provided by financial institutions. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider ranking by interest rates, the list may be different. When choosing, pay attention to the rating at the full cost of deposits. It includes surcharges, bonuses and other gifts for depositors.

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively involve customers by offering interesting offers and various investment options.

Which bank should be preferred

Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:

• founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
• the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the size of the authorized capital (the more the better);
• position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
• availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.

You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:

• term of the deposit;
• whether early withdrawal is possible and under what conditions;
• interest payment procedure;
• the presence or absence of capitalization;
• the possibility of replenishment;
• does the interest increase with an increase in the amount of savings, etc.

The highest rates on deposits in Moscow banks today: the first 20

Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:

• currency - ruble;
• the minimum amount is 100,000;
• term - not less than 1 year.

These parameters helped to choose the most high stakes on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

TOP-50 foreign currency deposits in Moscow banks at the maximum percentage

Due to the depreciation of the ruble, many customers have awakened interest in currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but they also acquire exotic currencies - pounds, francs, yens, Australian dollars, the yuan and the "Canadian" have recently been gaining popularity. However, the most popular is still the US dollar.

• currency - dollar;
• amount - from 1,000;
• term - at least 1 year;
• bank is one of the 200 largest.

It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Content

Keep money in the Savings bank, if you have any! A quote from Gaidai's comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buy property now is not too much profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and it is dangerous to keep banknotes at home. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

Recent polls show that more than half of Russians believe that it is better to keep money in a bank, on a deposit or savings account. The index of confidence in financial institutions is gradually increasing, people from experience previous years prefer to put aside the surplus. Each bank offers its own solution, but there is the concept of an average rate bank interest, which is set by the Central Bank:

• The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other metrics are also monitored.
• The average interest rates on deposits in 2019 are 10.82%, which is 0.3% higher than in the previous 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients' money.

Interest on pension deposits

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all major Russian banks offer attractive interest rates pension deposits with a replenishment function, which is a kind of analogue of a savings account, but with a much higher interest rate. Retirees are encouraged to use different types deposits with a minimum initial amount.

Sberbank pleases pensioners favorable conditions- interest does not depend on the size of the deposit, it is possible to replenish online. "Pension Plus" - a replenishable deposit for 3 years, 3.5% per annum, "Keep" - non-replenishable, rate 5.6% (when opening an account online - up to 6.13%), "Replenish" - 5.12% ( online - 5.63%). There is a "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension - 7.75%.

Interest on ruble deposits

Major share bank deposits are ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits offered by managers small organizations. Large financial institutions offer profits in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but the minimum amount starts from 1000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without a withdrawal or replenishment function.
• Alfa Bank also keeps the bar around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, promoted players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial institutions, but along with the growth of the percentage, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank should not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating loan agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The best programs for Moscow banks:

• "With the maximum rate" - 8%, Uralsib;
• "Vlad to the Future" - 10%, BinBank;
• "Partner" - 8%, Nevsky Bank;
• "Maximum income" - up to 8.4% of Sovcombank;
• "All inclusive Maximum income" - 8.5% from the Moscow institution Credit Bank;
• « Financial protection”, in euro, 3.5% - Promsvyazbank;
• “For life”, in euros, 3% - UniCredit Bank;
• "Tradition of success", in euro, 2.5% - Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

• the intensity of issuing loans, which constitute the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
• deposits from compound interest Initially, they offer less profit than with a simple bet.

Major players in financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on a percentage, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? About sharks banking business everyone knows: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the "big three" - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, while taking into account:

• analysis of the work of a credit institution by the Central Bank, while taking into account the value of its own capital;
• customer reviews about the work of the institution;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks looks like this this year:

• Magnus - 8% per annum from J&T Bank;
• "Solid interest" - 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-year from UniCreditBank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Promising" - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenished deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may be interesting:

• "Solid" - 10.5% for 550 days from GazTransBank;
• "Maximum" - 10.5% from 9 to 36 months, Dolinsk Bank;
• "Loyalty to traditions Premium" - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• "According to the Europlan" - 10% per year from BinBank Stolitsa;
• "Safe" - 10% per year from the bank "Interaction".

Sberbank deposit rates for today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

• "Memory of generations" - the minimum deposit is 10,000 rubles. the rate is 6.4-7%, and part of the profit is transferred to the Assistance Fund for Veterans of War.
• "Save Online" - can be done in any currency. A small minimum amount - only 1000 r. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• "Manage!" - replenishable, it is possible to issue it online. Percentages range from 3 to 5.85.
• "Give Life" - part of the income is donated to the Fund of the same name. Term - 1 year, rate - 5.3%, without replenishment.
• "Savings" - a regular account with a minimum percentage of 2.3 per annum. There are deposits and early withdrawals.
• « savings certificate"- a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

Bank VTB 24

This bank has a share of public money, so its reliability is fully justified. The interest on the deposit today, VTB 24 Bank offers low, which is offset by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• "Cumulative" - ​​from 200,000 rubles. for 3 months and more, the percentage is up to 6.95, there is a capitalization of income;
• “Comfortable” - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount is from 200,000 rubles, there is the possibility of partial withdrawal.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a "people's bank" with great deals for all segments of the population. Interest on deposits individuals Rosselkhozbank range from 6 to 9% depending on the duration and size:

• "Investment" - from 50,000 rubles, 8.75%, payment of profits - at the end of the term (six months, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15,000,000 rubles;
• "Classic" - profit 7.95% per annum, interest payment - to choose from, the minimum amount is 3000 rubles.

Deposit in Alfa-bank

The interest rate of a deposit in Alfa-Bank is comparable to competitors, but popularity financial institution great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• "Victory +" - a contribution for six months, up to 7.3% and a deposit amount of 50,000 rubles;
• "Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
• "Premier+" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post Bank

Post Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were served by Post-Bank. An aggressive advertising campaign involving famous actors is doing its job, the bank constantly calls to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits at Post Bank, and all deposits are subject to insurance:

• "Seasonal" - for a year with the placement amount from 50,000 rubles. The rate is 8.25% with the payment of profit at the end of the term, pensioners receive 8.5% per annum.
• "Capital" - for six months or a year up to 8.25% plus a card as a gift.
• "Cumulative" - ​​a replenishable deposit up to 7.5% and a minimum amount of 5000 rubles. possible early closure and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or a personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It should be noted that high interest rates on deposits in banks today are leaders among credit institutions they do not offer, but it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the territory of the Russian Federation, who care about their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Video: Interest rates on deposits in 2019

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