Investments with high interest per year. What will happen to the rates on deposits in Moscow banks. Promotions and special offers

The Deposit Insurance Agency predicts the growth of deposits in 2014 in the amount of 20%-22%. According to the results of the first half of 2013, the forecast was 17%-19%, which indicates that the population is actively placing their funds in banks, and the number of deposits placed will continue to grow. Today in the article we will look at:

Forecasts on deposits for 2014

Shares and Special offers banks

Maximum rates for some banks

Reasons for the increase in deposits

According to the Central Bank of the Russian Federation, as of August 1, 2013, the volume of deposits reached 15.796 trillion. rubles. In annual terms, the volume of deposits increased by 9.7%. The share of demand deposits with a term of 1 month is 18% of the total volume. Deposits for a period of 31 days to a year decreased by 0.8% and now their share is 20.5%.

The number of deposits with a term of 1 year or more remained at the same level - 61.5% of the total. The share of deposits in rubles is 4.6 times higher than in foreign currency. Analysts predict an increase in the deposit portfolio by 17%-19% in 2014 compared to 2013.

The volume of deposits will increase one-time, which is explained by the outflow of large sums from abroad. Due to the crisis in Cyprus, wealthy Russians prefer to transfer their savings to domestic banks.

Another reason for the increase in the volume of deposits is the law prohibiting civil servants from having accounts in foreign banks. Due to this, the growth of deposits in the first half of 2013 was higher than in the whole of 2012. In 2014, the growth of deposit accounts and the outflow of funds from abroad to Russian banks will continue.

Such a high increase in deposits allows banks not to apply stimulus measures and keep rates at a minimum level. As long as the population will actively contribute funds to deposit accounts, interest rates will not rise. On the other hand, if rates continue to decrease next year, this may affect the volume of the deposit portfolio.

Reasons for rate cuts

The decrease in deposit rates has been observed for eight months, and according to Central Bank RF today the average rate is 9.02% per annum - this is the lowest rate since the beginning of 2013. Back in August, its value was 9.05% per annum.

In addition to a large influx of funds from abroad, the reason for such a reduction in rates for individuals will be an increase in insurance compensation to 1 million rubles, a decrease in activity in the credit market and a decrease in inflation indicators.

As of September 1, growth loan portfolio unsecured loans amounted to 37.3%, while a year ago - 59.7%. Considering that banks must keep a balance between the growth of assets and liabilities, they are not so interested in attracting funds from the population.

Deductions to the insurance fund by banks depend on the size of rates, therefore, in the absence of reasons to stimulate the population, it is unprofitable for them to raise interest rates on deposits. After all, an increase in insurance compensation becomes an additional incentive for investing free savings in a deposit account.

The Central Bank began to take an active part in the regulation of deposit rates. If earlier its actions were limited to recommendations, then in the near future it is expected that written instructions will appear that are binding on banks.

Growth of deposits for Last year

In addition to the interest rate, depositors pay attention to the conditions offered by the bank for deposits. Of great importance is the combination of such factors as the possibility of withdrawing funds or replenishing the deposit, the term and the possibility of capitalization of interest.

The monitoring of the profitability of deposits showed that the level of interest rates on deposits in the leading banks in October does not exceed 8.71% per annum, while in small financial institutions you can find a rate of up to 12% per annum. However, for many depositors, when choosing a deposit, the priority is not the size of the rate, but the reliability of the bank. The growth of deposits in large banks remains at a high level, even despite low level rates.

For example, in Sberbank, the growth of deposits over the past 12 months amounted to 18.6%, in VTB 24 - 27.5%, in Alfa-Bank - 29.9%, Home Credit Bank - 81.4%, in Russian Standard - 60.88%, Bank of Moscow - 29.8%. Of interest are the data of Eurokommerts Bank, which does not belong to the leading banks, but pursues an active policy of increasing the deposit portfolio. Over the past year, we have seen an increase in deposits in the bank in the amount of 116.9%. The bank achieved such growth rates due to the fact that it outstripped even the most profitable deposits, offering up to 11.95% per annum.

Promotions and special offers

An important role in choosing a deposit is played by a variety of promotions and special offers that allow you to attract the attention of the depositor. For example, URALSIB Bank, with a base rate of 5.8% -10% per annum, gives customers debit card, and the bank "People's Credit" at a rate of 5% -10% per annum offers credit and debit card With free service and overdraft.

Eurokommerz Bank has a deposit with an increased rate of up to 11.95% per annum (Autumn Marathon program), and Zerich Bank, in addition to increased interest(up to 10.8% per annum), according to the Bastion program, you can receive chocolate or a blanket as a gift.

Raiffeisenbank offers customers who have made any deposit before the end of November a certificate that can be exchanged at the Valtera store for a silver pendant or club card with 5000 bonuses on the account. You can receive a gift on the territory of Moscow, the Moscow region and St. Petersburg until December 10, 2013.

“Military-Industrial Bank is holding a promotion for depositors who have made a deposit under the “Maximum Income” program before January 31, 2014 and for a period of 1 year. If the deposit amount exceeds 50,000 rubles, then you can choose a radiotelephone, a travel iron or a watch-receiver as a gift; from 99,000 rubles - a tonometer, a glucometer, a stereo radio; from 150,000 rubles - a DVD player with karaoke, a vacuum cleaner or a floor heater; from 350 000 rub. - multicooker, microwave oven, camera; from 699 000 rub. - LCD TV 26 inches, electric grill or netbook; from 1.5 million rubles - iPhone or Samsung tablet; from 3 million rubles - iPad tablet or LCD TV 46/47 inches.

Deposits from additional features

The optimal rate of return on deposits with additional features is noted at Russian Standard Bank, which offers the Russian Standard - Convenient Online program with an interest rate of up to 9.5% per annum and the ability to withdraw funds and replenish the account.

Rosbank pays up to 8.2% per annum on the Multicurrency deposit. Taking into account the fact that partial withdrawal and replenishment of funds is provided, this deposit is one of the most profitable.

In Sberbank on the "Manage" deposit with the possibility of withdrawing and replenishing funds, interest rate reaches 5.7% per annum. This program remains one of the most popular deposits on the market.

In the Bank of Moscow, you can draw up the “Maximum Comfort” deposit, which allows you to manage your savings. At the same time, the rate reaches 7% per annum, and interest is paid monthly or capitalized, which allows you to increase profits.

Maximum rates in some banks

Below we will analyze deposits in banks that are especially popular with depositors and identify programs with maximum interest rates for each bank.

Sberbank

The maximum income can be obtained on the "Growing" deposit, where the interest rate reaches 8.5% per annum. However, the deposit amount must be at least 1,000,000 rubles, and the term must be from 546 days. The "Save" deposit allows you to receive an income of up to 7.76% per annum with a capitalization of interest for 3 years and with an amount of 2,000,000 rubles or more. Under the "Save Online @ yn" program, income reaches 8.07% per annum, subject to interest capitalization for a period of 3 years and in the amount of 2,000,000 rubles.

VTB 24

The maximum rate is valid under the "Optimal Choice" program for a period of 18 months and in the amount of 3,000 rubles. It is possible to make additional contributions and capitalization of interest, which increases the income on the deposit.

Renaissance Credit

The “Profitable” deposit allows you to make a profit of up to 10.5% per annum with a term of 367 days and an amount of 5,000 rubles. Deposits and withdrawals are not provided.

Tinkoff Credit Systems

The interest rate under the SmartDeposit program reaches 10.25% per annum for a period of 12 months, with the possibility of interest capitalization and in the amount of 30,000 rubles.

Russian Standard Bank

Offers a "High Interest" deposit with a rate of up to 9.25% per annum with a term of 360 days and an amount of 300,000 rubles or more. It is possible to replenish the deposit. Depositors who have signed an agreement at the branch receive a MasterCard bank card as a gift.

Under the Pension Plus program, the interest rate is 9% per annum with an amount of 100,000 rubles and more and for a period of 360 days or more. During the entire period, it is possible to replenish the account, and when you move to the next threshold amount, the rate increases. A MasterCard is issued as a gift.

Eurocommerce Bank

This bank traditionally offers a line of deposits with a high interest rate, which can reach up to 11.5% (for regular programs) and 11.95% (for VIP deposits) per annum. The bank also offers a "Caring" deposit for pensioners - up to 11.65% per annum, the minimum amount is from 2000 rubles.

Which bank to choose in 2014 in Moscow for investment? Where is the highest percentage? Are short-term deposits profitable?

In connection with the events of the end of 2014, the interest rates of banks indicated in the materials below, in some way, have lost their relevance. However, general principles selection of proposals for deposits remained unchanged.

Tinkoff Credit Systems (data as of December 2014) interest on deposits - up to 20% in rubles and 6-7% per annum in USD and EUR

The choice of this or that deposit in the city of Moscow is influenced by the desires of customers. The purpose of using a savings instrument is very important: accumulation or settlement. Of course, the choice in the center of Russia is greater than in the regions, for example, in Ufa, so the consumer is guided not only by high deposit rates, but also by the accompanying bonuses. The more functionality of this or that deposit, the big bet appoints the bank. All contributions can be divided into the following groups:

• Savings - according to them, the bank prohibits withdrawing and replenishing the account balance;
• Accumulative - according to them, the bank only allows replenishing the account balance;
• Settlement - their bank allows you to replenish and withdraw money from them.

What deposit in banks has the highest percentage in 2014? If you calculate the rate based on the amount of invested funds, then a high percentage on the deposit is observed only in promotional offers. Short-term deposits generally do not allow you to make good money.

For ordinary residents Russian Federation bank deposits remain the only way to save money. Everything is accessible and understandable here, no special knowledge of managing money accounts is required. In this case, it is better to choose deposits with capitalization. The highest interest on deposits in 2014 is for deposits that are urgently replenished, do not have the ability to withdraw part of the savings, every month the interest is capitalized. Here the formula is applied compound interest.

To give your money to the bank, you should first carefully study all the offers that are on the market in 2014 and calculate.

Russian standard

Russian Standard Bank has various offers, the most profitable of them:

• Winter's Tale - the calculation of income on such a deposit is 10.5%. Payment is made at the end of the deposit period. Registration by Russian Standard is carried out from November 23, 2013 to January 31, 2014. During the term of the deposit, you can increase the savings. The term of placement is extended automatically. Interest depends on the account balance.
• High interest - income equals 9.25%. The term is calculated with an accuracy of one day. The Russian Standard raises the rate with an increase in savings.
• Rentier - the calculation of the deposit rate is 8.25%. Russian Standard makes permanent payments or capitalization. This is where the compound interest formula comes into play. Income grows with additional investments. The client chooses the method by which the percentage is transferred: every quarter or every month.
• Pension plus - calculation of the highest profit on this deposit Russian Standard gives 9%. The term of storage of the deposit is indicated with an accuracy of one day. Income grows with replenishment, the compound interest formula works. Interest is paid regularly, and it is also possible to get a free bank card.
• Convenient - the amount of profit can reach up to 8.75%. The deposit can be regularly replenished, you can withdraw part of the money from the deposit. The size of the minimum balance Russian Standard allows you to choose at the conclusion of the contract.
• Fairy tale investment - issued from October 4, 2013 to March 31, 2014. The calculation of profit reaches 13.5%. Money Russian Standard places simultaneously on deposit and mutual funds. The amount of return is the sum of the term, amount and share in the mutual fund.

Rosselkhozbank

Rosselkhozbank also works with individuals on deposits, among the offers in Rosselkhozbank for placing deposits are the following options:

• Classic - interest grows with the increase in the term of the deposit, their value can reach up to 10.75%. The deposit cannot be replenished. Rosselkhozbank requires a minimum first investment of 3,000 rubles. Withdrawal is prohibited.
• Accumulative - income calculation increases in proportion to the investment period, can reach up to 8.4% per annum. You can replenish the account, you cannot withdraw partially. The largest deposit amount should not exceed 1,500,000 rubles.
• Managed - the calculation of profit increases with the growth of the investment term, its size can reach up to 7.1%. Savings Rosselkhozbank allows you to replenish and withdraw up to the size of the minimum balance. The deposit limit is 1,500,000 rubles.
• Golden pension - interest increases with the length of the placement, reaching up to 8.25%. Rosselkhozbank allows you to replenish the deposit, partially withdraw money from it - no. The amount of investments is a maximum of 3,000,000. The compound interest formula works.
• Pension plus - profit calculation reaches 8.15% and depends on the period of investment. Rosselkhozbank allows replenishing and withdrawing part of the savings up to the minimum balance. The size of investments should not exceed 3,000,000. The compound interest formula works.
• Children's - profit can be a maximum of 9.15%, depending on the period of placement. Rosselkhozbank allows savings on the account to be increased. The compound interest formula works. It is impossible to withdraw part of the money from the deposit. Maximum size investments - 5,000,000.
• Gold - maximum yield of 10.75%. Rosselkhozbank prohibits replenishing and withdrawing part of the savings. The size of the deposit is unlimited.
• Platinum - maximum yield of 7.45%. Rosselkhozbank allows you to replenish and withdraw funds from the account. The amount of investments should not exceed five times the value of the initial placement.
• Managed plus - the maximum yield on the deposit is 7.7%. You can top up and withdraw. The amount of investments on this deposit in the Russian Agricultural Bank should not exceed three times the amount of the initial placement.

For the last three deposits, the Russian Agricultural Bank requires a minimum of 1,500,000 rubles.

Sberbank

Sberbank offers its clients a large number of deposits, including:

• Savings certificate from Sberbank - allows you to receive a high income compared to conventional investments. The maximum rate is 9.3%. Sberbank requires a minimum first investment of 10,000 rubles, a period of 91 days.
• Save from Sberbank - allows you to receive maximum income. The profitability of the deposit is 7.76%. Sberbank requires a minimum first investment of 1,000 rubles. Investment period - 1 month.
• Replenish from Sberbank - serves to create savings. Partial withdrawal from the account is prohibited, but replenishment is allowed. Sberbank sets a storage period of 3 months. The rate is 7.26%. Contribution from 1000 rubles.
• Manage from Sberbank - created to use part of the funds from the account without loss of income. Sberbank allows you to replenish and withdraw funds from the account. Contribution from 30,000. Investment period - 3 months. The deposit rate is 6.68%.
• Give life from Sberbank - serves to help children with serious illnesses. Replenishment from 10,000, storage period - 1 year, Sberbank gives a deposit rate of 6.56%.
• Multicurrency of Sberbank of Russia - to receive income from speculation on currency pairs. Sberbank does not allow withdrawal. You can invest from 5 rubles. The storage period is 1 year, the rate is 6.21%.
• Savings account from Sberbank - created to be able to work with funds in the account. Sberbank allows you to withdraw and replenish your account, the rate is 2.3%.
• Profitable from Sberbank - the rate decreases over time. Up to one year of storage - 8%, after that it decreases to 3%. Contributions from 1000, term - 2 years.

Sberbank's network is the largest in Russia, so keeping savings in its accounts is the safest.

VTB 24

VTB 24 Bank offers the following deposits for its clients:

• VTB 24 deposit The best choice is the placement period does not exceed 18 months. VTB replenishment 24 accepts from 30,000. The calculation of the rate can increase up to 9%. You can choose the method of paying interest and the frequency. You can make additional investments and withdraw funds up to the level 24 established by VTB.
• VTB 24 deposit Maximum - the period of placement of funds should not exceed 3 years. The calculation of the minimum replenishment amount is 250,000. The income can be equal to 7.25%. Interest is paid only at the end of the deposit placement. It is impossible to withdraw from the account and replenish it.
• VTB 24 deposit Freedom of choice – deposits can be placed in euros. The placement period is up to 5 years. Replenishment from 15,000 rubles to 3,000 euros. Calculation of the maximum rate - 6.8% in rubles, 1.30 in euros. The rate plus capitalization (compound interest formula) is 7.52 in rubles and 1.33 in euros.
• VTB 24 Active - deposits can be placed in euros. The placement period cannot be more than 3 years. VTB 24 accepts deposits from 15,000 rubles to 3,000 euros. The rate can be up to 6.3% in rubles and 1.15 in euros. The rate plus capitalization (compound interest formula) is 6.92% in rubles, 1.12% in euros.

Orientation in banking offers

If you carefully calculate, then from the offers on deposits in different banks it is clear that the client must be guided by his goals, then he will find suitable conditions for himself. Short-term deposits do not always have a low income, but most of them are of little profit.

Savings mood of customers the largest bank country was improved at the very end of last year by raising rates on several deposits. Entering 2013, Sberbank still holds the largest share of savings in its accounts Russian citizens. About 6 trillion rubles of private depositors account for 45% of the entire deposit market. Note that most of the investments are placed for a period of one to three years. Despite the fact that the Central Bank has announced a recommended maximum rate of 9.65% per annum (based on the deposit rates of the top ten credit institutions), the best yield reaches the point of 12.5% ​​for the rating leader Sberbank.

Deposit program includes 16 products, including classic deposits and comprehensive programs. For pensioners there are higher rates(under equal conditions compared to others) on special deposits. Several savings accounts can be opened through the remote access system. Customer preferences lie in the field of ruble products, although Sberbank offers good conditions for savings in five foreign currencies. The share of the latter then fell, then increased last year, but still by the end of the year amounted to about one-fifth of the total mass of private deposits.

Rates

As already noted, the highest deposit rate of Sberbank reaches 12.5% ​​per annum. Due to the nature of this product, it cannot be called a classic deposit for everyone. The terms in more traditional contracts provide for the highest yield of 9.75% (for the "Save Online" deposit). Such profit is accrued on savings of more than 2 million rubles. in the longest period. The minimum profit here is 6.15% on short terms. All products with the prefix "online" were conceived with a higher rate, 0.5 points higher than similar ones, but "office", i.e. those that are opened in a bank office, and not at a home computer on the Internet.

The values ​​of rates in almost all deposits depend on the amount range and term of savings. For example, 1,000 rubles or 99,999 rubles invested in the “Replenish” account will increase by 5.7% in six months or by 6.4% in a year or more. The next segment of the sum range from 100,000 to 399,999 has a rate of 5.95% for terms of 6 months and 6.65% for more than a year. For pensioners, there are already higher interest rates, which do not depend on the amount. The six-month term of the "Replenish (pension)" agreement provides for 6.7%. Investments lasting more than 12 months will already bring 7.4% to an investor who has a pension certificate.

The maximum rates for currency savings on the "Save-Online" account in the traditional euro-dollar pair are as follows: 4.15% for US dollars and 4.65% for euros in three years. For savings in other currencies on the International account, the highest yield reaches the level of: 3.25% in Japanese yen, 3.5% in Swiss francs and 4.25% in British pounds sterling.

Terms and amounts

The shortest deposits are accepted for a period of 1 month to the accounts: International, Save, Save (Pension), Save Online.

The longest-term ones have a duration of 3 years in all products, except for: Multicurrency, Give Life, Insurance INDEX plus, Insurance - PERSPECTIVE, Portfolio and Investment.

Clients have the right to fix an individual account term for any number of days within the minimum and maximum limits from 1 to 36 months, except for: Pension Plus (3 years), Give Life (1 year) and all structured products in which the duration is pre-set bank (1, 3, 12 months).

As for the minimum possible amounts, most deposits have a small down payment from 1 to 30,000 rubles or from 5 to 1,000 dollars / euros, except for International (here the lower threshold is at the level of 1 million yen, 10 thousand Swiss francs or the same pounds sterling).

Income payment procedure

The mode of accrual and payment of interest in Sberbank traditionally includes a schedule once a month, once a quarter, periodic rent payments or income at the end of the term. The conditions of all classic deposits (except for "International", as well as accounts as part of the insurance programs "Insurance INDEX plus" and "Insurance - PERSPECTIVE") offer the client to independently choose whether to receive profit as rent or add it to the principal amount for capitalization.

The monthly order is valid in the contracts: Save, Replenish, Manage, Replenish Online, Save online, Manage Online, Save (pension), Replenish (pension), Insurance - PERSPECTIVE, Insurance INDEX plus.

Once every three months, income is accrued in products: Pension Plus, Give Life and Multicurrency.

Profit is paid at the end of the term on the accounts: Portfolio, Investment, International.

Control Options

Savings accounts provide for additional contributions: Replenish, Replenish Online, Replenish (Pension), Manage, Manage Online, Pension Plus, Multicurrency. Here, credit transactions are not limited in time. But we must remember that if, as a result, the capital increases 10 times, then the interest rate will decrease by half by the amount of the excess down payment. The minimum amount of cash replenishment is 1,000 rubles. or 100 euros/dollars. Non-cash contributions can be transferred to the deposit. In this case, there are no restrictions on the amounts.

The boundaries for debit transactions lie within credit transactions. You can withdraw during the entire term of the contract up to the amount of the initial payment in deposits: Manage and Manage Online. The Pension Plus agreement has almost no amount restrictions on spending; to save a deposit, you need to leave at least 1 ruble.

Almost all contracts can be closed ahead of schedule on preferential terms, except for: Give Life, Pension Plus, Portfolio and Investment. But benefits begin after the sixth month of the deposit and consist in reducing the rate by one third. In other cases deposit interest changes by 0.01%.

The placement period is one year, the principal amount of which, together with accrued income, is covered by insurance compensation. Therefore, the rating includes deposits with the amount of placement up to 600 thousand rubles. *

The top three were classic savings deposits (partial withdrawals and replenishment are prohibited, and interest is accrued at the end of the term). Two of them are seasonal, that is, they are introduced by banks into the deposit line for a limited period. All this partly determines such a high level of interest rates.

In the first place in the rating is the "Festive" deposit from Milbank: 12.5% ​​per annum. It can be opened until June 20 in the amount of 300 thousand rubles. The second line was taken by "Jubilee" from Interprogressbank with a rate of 12.4% and a threshold amount of entry from 40 thousand rubles, upon opening of which the depositor is issued bank card Visa Gold with free maintenance during the term of the deposit. And closes the top three seasonal offer, which expires on May 24 - "Passakh" from the bank "Strategy": 12.15%. A deposit can only be made at the Menorabank subsidiary office in the amount of 30,000 rubles or more. Automatic extension available.

An alternative to this deposit may be "Term (at the end of the term)" of Krosivestbank with a similar rate of 12.15%, but for an amount of 200 thousand rubles. According to its functionality, it refers to accumulative deposits. Such deposits can be replenished during the retention period. However, most often banks stop accepting additional contributions for a certain time before the end of this period, in this case 60 days. Operations partial withdrawal on the deposit "Term (at the end of the term)" are prohibited. Early termination on preferential terms and one-time auto-renewal are allowed.

The essence of accumulative deposits is that the terms of the product encourage the depositor to accumulate through additional contributions that increase the principal amount of the deposit, on which interest is subsequently accrued. For those who do not intend to withdraw interest during the term of the deposit, it is reasonable to open deposits with capitalization, since the effective interest rate on them is higher than the nominal one. Moreover, the more often capitalization of interest occurs, the higher the yield on the deposit. Therefore, other things being equal (amount, term and rate), it is more profitable to choose just such deposits. If you are interested in having in cash, then you can stop on a deposit with the condition of monthly or quarterly interest payments.

Unlike savings and accumulative settlement deposits, which provide for expenditure operations, were not included in the rating: the rates for them, as a rule, are lower.

Particular attention should be paid to seasonal deposits. In addition to the fact that, as already mentioned, they are distinguished by the highest profitability, contributors are often waiting for more gifts or promotions with a prize draw.

The Banki.ru portal, together with a number of banks, has developed special offers for its visitors on the most profitable deposits. By sending an online application from the site, the user receives a bonus in the form of high stakes. Two special offers got into the current rating at once: "High income" from Flexinvest Bank and "Leader" from "Russian Credit". Both deposits are opened at 11.8% per annum. Banks have provided for the possibility of early withdrawal of funds on preferential terms, at rates of 10.55% and 11%, if the money is in the deposit for nine months. Russian Credit, depending on the amount of investment, gives gifts to customers: a blender, a juicer, an air grill, a slow cooker and a TV.

Traditionally, products of banks registered in the Moscow region are selected for the rating. However, the special offer of the Tyumen bank "Ugra" has the same conditions for all regions of presence credit institution, therefore deserves participation "out of competition". "My victory +" is a classic savings deposit. It is characterized by a high interest rate, which is 12.25% per annum and is in the upper limit of the rates of the current rating. Upon request, the client receives an international Gold category card when opening a deposit. payment system MasterCard with no issue fee and first year of service.

The review is based on information as of May 21, 2013, based on the Banki.ru database on deposits of individuals, which contains about 5,000 offers from more than 600 credit institutions.

* The rating did not include special deposits with special restrictions, that is, for certain categories of clients, as well as combined deposits - those that involve participation in insurance and investment programs.

Ekaterina PESHKOVA, Marketing and Analysis Group banking services information portal Banki.ru

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, opening cost 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