When a person has free cash, a fair question arises: where to invest it in order to receive income? The easiest and safest way to receive income from the point of view of state protection of risks is deposits. We offer you to familiarize yourself with the ratings of banks in which the most high stakes on a deposit, depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used to exclude offers from companies that may be in an unstable financial situation.
Standard deposits mean fixed-term deposits that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. top ten with the best deals looks like that:
Even the highest percentage of deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce the interest of consumers in them. Such deposit products are preferable to depositors due to the expanded access to money and the preservation of accrued interest.
TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:
The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:
When the most difficult process is over - the investor has determined where the interest-bearing deposit is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.
Often, for opening a deposit account online, a client can even receive a premium to the declared rate.
Of the documents you need only a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his documents (certified copies) proving his identity. There are no requirements for the client as such, banks open deposits even in the name of minors.
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 make 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 largest banks in the country, compiling a review of deposits in rubles with favorable interest rates.
Deposits of individuals - a traditional way of investing money
There are many ways to invest money to earn 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.
Choose the most profitable contribution: 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 figure out which are 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).
The 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"
Interest rate |
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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 at the highest interest rates. 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 time 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.
A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to save more money, they can expect higher interest and profits. But in which bank is it worth making a deposit, and where will it be both profitable and safe?
As for security today, everything is simple: the system state insurance deposits protects depositors from losing money due to the ruin or liquidation of the bank, and any amount up to 1,400,000 rubles will be returned to its owner. In case you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose a program with best conditions on a deposit - and open an account. At the beginning of 2017, a resumption of interest rate cuts is possible, so it makes sense to choose the most suitable offer today.
What deposits in Moscow banks will bring the highest interest? Where is the best place to invest in 2017?
Sberbank
It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not very much - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.
Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online rate higher by an average of 0.4%.
VTB 24
Among the banks offering deposits, it differs in that it offers its customers ample opportunities to receive additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". The maximum income is possible on the Profitable deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.
Alfa Bank
At the moment, it offers its customers not only loan products, but also a number of deposit programs. Least percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the highest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with a deposit amount of 10 000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly bank 0.05% of the deposit amount to the charity fund for saving sick children " Life Line.
VTB Bank of Moscow
The organization offers several deposit programs with different conditions. Most profitable proposition valid until January 31, 2017 on the "Seasonal" deposit - up to 10% per annum can be received by placing from 100 thousand rubles for 400 days. The contribution is divided into interest periods for 100 days, replenishment and partial withdrawal is not provided. Also, under the program "Maximum income" you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, an increased rate is applied - + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euros.
Home Credit Bank
Home Credit offers its depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, minimum size the first installment - 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euro - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, the deposit "Capital" is opened for a period of 36 months, but without interest capitalization. For all deposits, except " Cabinet", the minimum amount of the first deposit and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).
Tinkoff
Tinkoff Bank offers its clients one type of remote deposit with interest rates up to 8.0% (8.84% with capitalization) per annum in rubles, 1.5% in US dollars (2.01% with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). You can count on such a percentage with a balance of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.
It is possible to replenish (there are time limits) and partial withdrawals up to a minimum balance.
Russian standard
The maximum rate at Russian Standard Bank can reach 10% under the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of them is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. On the “Replenished” term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.
Where is the best place to keep money?
As you can see, deposits in Moscow banks are offered on different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend paying attention to the possibility of making credit and expenditure transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.
Updated December 2016
A complete list of the most current bank offers for depositors is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.
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 of the 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.
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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
Content
To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.
A wide range of deposit offers and promotions, the difference in interest rates, parameters and terms of placement should not distract from main task keep your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.
To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to accumulate steadily cash With additional replenishment accounts. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity banking institution plan your credit and financial operations for the same long periods.
An insurance program is in place to protect citizens' money bank deposits. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.
After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.
Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave total amount money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.
Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entry into deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.
One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.
Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.
The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. When monthly capitalization percent, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings certificates, the most profitable of which with a par value of 100 million rubles or more bring an income of 7.2%.
Name |
Program |
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"Savings account" |
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Rosselkhozbank |
"Investment" |
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"Maximum Online" |
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Moscow credit bank |
"All inclusive - maximum income online" |
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Opening |
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Promsvyazbank |
"My income (online)" |
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Gazprombank |
"Perspective" |
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Alfa Bank |
"Accumulation" on demand |
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Sberbank |
"Save OnL @ yn" |
Our expert research has shown that a large percentage on deposits offers Development Bank. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles maximum bet is equal to 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.
The table shows profitable deposits of Russian banks.
Name |
Program |
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"Your pension" effective rate |
31 to 744 days |
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Rocketbank |
Early termination rate 0.1% per annum |
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Sovcombank |
"Maximum income" for a period of 90 to 181 days |
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Crocus Bank |
"Urgent-360 (% at the end of the term)" |
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Confidence |
"Golden time!" replenishment 90 days |
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Eastern Express bank |
"VIP deposit" monthly interest |
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"Deposit No. 1" with capitalization |
Up to 735 days |
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Baltinvestbank St. Petersburg |
"Absolute CHAMPION+" |
272-366 days |
|
Bank Master Capital |
"Savings" |
From 30000 rub. |
|
Bank Zenith |
"Urgent Premium" |
From 5 million rubles |
Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.
To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers financial institutions will not be able to help you choose the most profitable investment. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional banking fees transferring money to accounts, converting.
It is worth considering the possibility of investing part free funds in different currencies, into gold and other precious metals. AT last years, the largest banking structures around the world choose bitcoin as their reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior and teach you how to choose the right strategy and tactics for using financial resources for creating passive income, will show new directions for acquiring assets and the most profitable investment.
We have considered the most profitable investment in foreign currency from Development Bank, but deposits with a high percentage are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.
The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of the political elites of the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union do not add stability and prospects for investors to the euro.
The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.
The Ural Interregional Bank offers to deposit from 10,000 rubles to the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the "Maximum Online" program from Dolinsk Bank is from 7.35%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in National Bank Trust will receive 8.85%.
Deposit « « Max percentage(online) "BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.
On June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with an interest rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.
Discuss
Which bank has the most profitable terms on deposits and a high percentage of the deposit