The Bank of Moscow may seem like a fairly young financial and credit institution, since it was established in 2006. However, its history is much deeper, since the creation was carried out through reorganization and separation from the largest VTB group. It is safe to say that the bank is as stable and reliable as its parent. Contributions for individuals in the Bank of Moscow is a variety of programs and conditions that can meet the needs of any category of customers.
In 2017, the bank has a number of conditions that apply to any deposit of an individual, namely:
Please note that the article indicates the interest on deposits, taking into account capitalization.
The biggest profit that a depositor can receive is 7.95% of the deposited money. To do this, choose a program Maximum income with capitalization, placement from 3 to 6 months and invest at least 1.5 million rubles. You cannot replenish the deposit, and you can only withdraw the income received if you refuse capitalization (they are accrued monthly). Any client can open, and higher rates are intended for pensioners.
As mentioned above, the options for preferential early termination apply to all deposits of the Bank of Moscow and are as follows - for all investments whose term exceeds six months, interest on early withdrawal of money is paid at a rate of 60% of the assigned one. The rest of the funds - at the rate of Demand.
As in any other, the Bank of Moscow has seasonal offers with higher rates. This program is currently Quick income . The interest on it is fixed - 7.88 (taking into account capitalization), and the acceptance of deposits stops after August 2017. You can place from 30 thousand to 30 million (only National currency). Incoming and outgoing transactions are prohibited, and the placement period is the same - 121 calendar days.
Please note that only those individuals (including pensioners) who have not had active deposits with the Bank of Moscow over the past three years, or they are payroll clients, can open a deposit.
It is noteworthy that the deposit can be rolled over twice, but the rate will already be lower - 7 percent.
In 2017, low income values for individuals are provided for deposits, which imply the owner's access to the placed funds.
Max Height - from 3.19 to 7.5 per year. The terms of the deposit allow you to replenish the account without restrictions (both in quantity and in amounts) and once receive money from it ahead of schedule until the minimum balance is reached - suitable for any individual who wants to constantly save money (including pensioners). A bank calculator will help you evaluate the prospects of investments.
Please note if your an initial fee did not exceed 1 thousand rubles. (100 units of currency), then the minimum balance must be equal to at least 30 thousand. For steel sum intervals, it will be equal to the down payment.
The deposit can be automatically extended up to 5 times.
Maximum comfort — from 2.38 to 4.82%. The parameters of the program fully justify its name. Not only can the deposit be replenished without restrictions, individuals are also allowed to withdraw funds an unlimited number of times. The rules applicable to the minimum balance under the Maximum Growth program also apply in this case. Automatic renewal - up to 5 times.
If you plan to place funds in foreign currency, it is advisable to select a program based on the conditions for access and management, rather than on the basis of potential profit (if desired, it can be calculated on a special calculator), because the rates do not differ in high values - from 0.01 to 1, 62 - for the American and only 0.01 for the European currency.
No surprises in 2017 savings account, from which you can withdraw funds without losing profits. In general, this is an ordinary bank current account of an individual - money is credited to it, they are spent from it. Its main difference from the classic options is the accrual of profit on the balance of the placed amount.
In the Bank of Moscow, this value is set in the range from 4.5 to 6. This is a rather high value, in many financial and credit institutions it is much lower. There are several rules that must be followed in order to get additional profit:
Payroll clients receive fixed rates - 5 for funds up to 300 thousand and 6 if the balance exceeds this value.
Income is calculated daily.
As mentioned above, special categories of customers can count on increased income on bank deposits. This applies to pensioners, shareholders of a financial institution and payroll clients. When drawing up an agreement, your status can be confirmed by an official document (for pensioners) or a specialist will find you on his own in the client database (for shareholders and wage recipients).
This is reflected in interest rates as follows (for standard programs):
In 2017, the bank has a special deposit for pensioners - current pension. Its conditions are very similar to the parameters of a savings account, only the interest on it does not depend on the size of current funds and is 4%. The only difference is that profits are paid quarterly.
A separate category of clients with non-standard incomes are always offered individual conditions more attractive than for ordinary customers. The elite club VTB Bank of Moscow has three deposit programs. Since they are not designed for a wide range of consumers, we will consider only key points and parameters:
To choose a really profitable and optimal deposit for you, use the calculator on the official website
To evaluate the attractiveness of such an investment as a deposit, and choose the optimal amount, term of placement and method of paying income in 2017, use the special calculator of VTB Bank of Moscow.
It is enough to select the key values, and the calculator will reflect the potential profit automatically. The service is simple and easy to use, and its results will clearly reflect the financial efficiency of investments and allow you to competently plan your operational economic activities.
Thanks to the attractive conditions for deposits with Bank Moscow, any individual will be able to securely invest their own money and receive additional income. Profitability calculator will allow you to plan future income, a Special offers 2017, increase the attractiveness of a financial institution in the eyes of regular customers and pensioners.
Even in difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest on deposits? The website agency experts analyzed the proposals of the country's largest banks, compiling an overview of deposits in rubles with favorable interest rates.
Deposits of individuals - a traditional way of investing money
There are many ways to invest in order to receive passive income. You can buy a currency and wait for it to rise in price, you can earn money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.
All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way of investing savings in Russia.
Choosing the most profitable deposit: what to look for
When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:
It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts of the agency website tried to do this by examining the conditions for deposits in Russian rubles for individuals in reliable banks.
Each bank has its own line of profitable deposits for individuals with unique conditions.
In order to somehow bring "to a common denominator" the parameters of contributions to different banks, we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.
For the purity of the experiment, we compared the rates in largest banks Russia on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).
Most profitable deposits in reliable Russian banks from the top 10
Credit Bank of Moscow
MEGA Online deposit
Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term
Bank FK Otkritie
Deposit "Reliable"
Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.
Promsvyazbank
Deposit "My income"
No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.
Savings account deposit
Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.
Post-bank
Deposit "Capital"
Without replenishment / Without partial withdrawal / Capitalization / Interest monthly
Sberbank of Russia
Contribution "Save"
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Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>
Today, Moscow banks offer a large number of different types of profitable deposits for individuals. But all of them can be divided into several groups:
✓ term deposits under the most high interest. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish your account.
✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw funds from the account and not lose profitability.
✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged.
Of course, in any unforeseen situation, if you need money ahead of schedule the end of the deposit, you can always get them, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.
It seems that the deposit market froze in anticipation of changes that often come in Russia at the end of summer, or with the onset of autumn.
Trouble with the banks "Yura" and "Opening" really did not take long in August. True, this time we see how the Bank of Russia successfully resists this crisis, preventing it from growing. Russian banking system so far it demonstrates the accumulated margin of safety, so there is hope that the problems in these two credit institutions from the TOP-30 will not unbalance the financial ties of other market participants.
Over the past month, if banks have reduced their deposit rates, then not all of them, and not at all by much. On average, by about 0.2 p.p. Experts are hesitant to make forecasts regarding further growth or fall in rates, because in autumn inflation and business activity of a business may noticeably revive, affecting interest rate policy financial institutions. In the meantime, the market indices that an investor can focus on are as follows:
The key rate of the Central Bank is 9.0% per annum;
Inflation by the end of July - 3.9% per annum (month on month);
The inflation target for the whole of 2017 is 4.0% per annum;
For recent years characterized by various shocks in the sphere Russian economy, which include a change in currency quotes, a sharp decline in the cost of oil, a rapid rise in inflation, as well as the bankruptcy of banking institutions. All this gives reason for the citizens of Russia to think about their future. Of course, everyone somehow tries to save their money.
by the most in a simple way to save their savings is to keep them in bank deposit accounts.
Those who have been participating in the financial Russian market, investing their funds in deposits, they say that it is unprofitable to place money in short-term deposit accounts. At present, there is a downward trend in interest rates on deposits by almost all Russian banks. Therefore, funds should be invested only in long-term deposits, unless, of course, the deposit is a way to save money from inflation.
Many experts say that Russian banks have no motivation to raise their interest rates on deposits. This was primarily influenced a large number of banks' liquidity. This situation will continue in 2017. Already at the end of 2016, there was a noticeable decrease in lending activity Russian citizens due to large percentages for loans. Thus, banks cannot convert their liquid assets into loans, which means that there is no need to attract deposit funds.
Sberbank already in 2016 announced a decrease in the deposit percentage by 1 percent for ruble deposits and by 0.5 percent for foreign currency deposits.
Rate cut deposits typical for other Russian banks. The list of Russian banks with the highest interest rates will be presented below.
Let's look at what Russian banks can provide the highest interest on deposits in 2017:
Baltinvestbank.
The name of the deposit is "Champion". Term - 1 year. Interest rate - 10.2%.
"Russian standard".
The name of the deposit is "Maximum". Term - 1 year. Interest rate - 10.0%.
MosOblBank.
The name of the deposit is "Personal". The term is from 90 days. Interest rate - 9.7%.
RIA Bank.
The name of the deposit is "Regular income". Term - 1 year. Interest rate - 19.6%.
Binbank.
The name of the deposit is "Maximum". Term - 1 year. Interest rate - 9.4%.
Home Credit.
The name of the deposit is “Profitable Year”. Term - 1 year. Interest rate - 8.75%.
"Yurga".
The name of the deposit is "Universal". The term is 1100 days. Interest rate - 8.5%.
"Bank of Moscow".
The name of the deposit is "Maximum". The term is from 90 days. Interest rate - 8.75 - 9.0%.
"VTB 24".
The name of the deposit is "Favorable". Term - from 6 months. Interest rate - 8.0%.
Rosbank.
The name of the deposit is "Favorable". Term - from 6 months. Interest rate - 6.9%.
Sberbank.
The name of the deposit is "Save Online". Term - 1 year. Interest rate - 6.85%.
Each investor should not forget that from the income received it is necessary to without fail pay tax. Taxation is provided for ruble deposits if interest rate on deposits was 5% higher than the refinancing rate. Also taxed currency deposits with an interest rate of more than 9% per year.
The tax rate for residents of Russia is 35%, and for residents of other states - 30%.
Unfortunately, 2016 was not the best year for depositors, the Central Bank took away licenses from several dozen banking institutions, and this list included companies from the top hundred of the rating. Unstable course does not add optimism foreign exchange, increased inflation and a sharp drop in prices for "black gold". In such a difficult time, people are trying to save the rest of their money, 2015 showed that buying up household appliances insanely is not an option, Russians use more to save money in 2016-2017 bank deposits. We know that Muscovites have the largest savings, so many residents of the capital are worried about the question of where to place deposits in Moscow banks in 2017? Which of the financial institutions are reliable companies? But before we look at the rating of banks, let's remember what deposits are.
Recall that a bank deposit is an amount of money that the depositor transfers to the bank at interest for a certain period. For ordinary citizens, investing money under bank interest is not only a means of saving their "hard-earned money" from possible theft, but a way to earn some extra money.
All bank deposits are divided into two types:
As for individuals, urgent ones are recognized as the most profitable, because. they involve higher interest rates, however, this type of investment is strict for early termination of the contract, in which case the depositor will have to pay a penalty to the bank.
Term deposits of individuals in 2017 involve several types:
Also, some financial institutions offer specialized programs for bank deposits in 2017, for example, for employees public sector or retirees.
Usually a more attractive interest rate is offered, or some kind of relief.
We talked about the types of savings, but when a person brings money to the bank, he is guided by two criteria: a high interest rate and reliability. For you, we have compiled a rating of the most reliable banking organizations, as well as financial institutions with the most high stakes for deposits in 2017. So, first consider the criterion of stability.
In order to clearly understand whether it is worth giving your hard-earned money to a banking institution, you need to look at its assets shown in the annual financial reporting. Many analysts have compiled their own rating of the most reliable credit institutions in the capital, it includes Sberbank of Russia, VTB, UniCreditBank, GAZPROMBANK, Rosselkhozbank, Otkritie Bank and others. If you carefully study the entire list presented, then more stable are banking institutions with state participation, banking institutions with foreign capital are also considered reliable.
By the way, do not forget that the more reliable the bank, the lower the interest rate on deposits it offers, at the moment, almost all large state-owned banks have significantly reduced the interest on deposits.
You can, of course, open a deposit in less famous bank under favorable interest, but it is worth carefully studying the activities of the company, every day many banking institutions are closed for their risky financial transactions.
Considering the most reliable credit organizations, now they also have several advantageous offers. What are the profitable deposits in stable banks in Moscow in 2017?
Profitable deposits in banks in 2017 can be made in credit companies from the rating of the most reliable, for example, profitable terms offer organizations such as Alfa-Bank, VTB, GAZPROMBANK, Rosselkhozbank, etc. But Sberbank of Russia and Bank of Moscow have more modest interest rates.
So, in what programs do lending organizations offer the depositor to participate? Best offers:
You should not worry about the reliability of this institution, because it is part of a huge consortium of Alfa Group and has existed since 1990, in the aggregate of all assets it is one of the most significant financial companies Russia. If you have a large amount of money and are looking for suitable banks for deposits in 2017, then Alfa-Bank can bring significant income.
If by this contribution place a deposit in the amount of 30 million rubles, then the yield will be 17% per annum.
If you need to make a contribution to short term, then several institutions offer pretty good interest. For a period of 1 month, your savings can be placed in the following banks:
It is worth recalling that clients who decide to deposit an amount of less than 1.4 million rubles can be calm in any case, because even if the license is revoked from the bank, this amount subject to insurance compensation, everything that exceeds the specified threshold is not returned to the depositor. Therefore, when making a large amount of savings, the depositor must carefully study the documents, and also check the reliability of the bank well, because it is better to get a lower percentage per annum than to completely lose your hard-earned money.
