Passive income- a nice bonus to the salary. There are many places where people often invest in the hope of creating: foreign exchange market, investments in cryptocurrencies, investing in shares of companies and more. But these methods do not guarantee results. When depositing money for any purpose, one should be aware of the risks and be prepared for defeat and loss of finances.
The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.
Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.
The second important parameter is the interest rate. This is the money that you will receive as net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.
To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.
Terms:
- currency - rubles;
- the minimum amount is 100,000 rubles;
- terms and interest:
- on day 91 - 6.6%;
- for 181 days - 6.7%;
- for 367 days - 6.7%.
Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, preferential terms make the process fast and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.
Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.
Terms:
- the minimum amount is 1000 rubles; $100; 100 euro;
- terms and interest for deposits in rubles:
- for 95 days - 5.75%;
- for 185 days - 6.25%;
- for 370 days - 6.75%.
- for 95 days - 0.75%;
- for 185 days - 1.10%;
- for 370 days - 1.45%.
- for 95 days - 0.01%;
- for 185 days - 0.20%;
- for 370 days - 0.55%.
According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.
In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.
Terms:
- currency - rubles, dollars euro;
- the minimum amount is 30,000 rubles; $5,000; 5000 euros;
- terms and interest when opening a ruble deposit in the office for up to 1 year:
- upon termination within 31–90 days - 6.6 / 7.6% (Halva card);
- upon termination within 91–180 days - 7.0/8.0% (Halva card);
- upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);
- upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).
- terms and interest when opening a ruble deposit in the office for up to 3 years:
- upon termination up to 90 days - 6.8 / 7.8% (Halva card);
- upon termination up to 180 days - 7.2 / 8.2% (Halva card);
- upon termination up to 365 days - 6.8 / 7.8% (Halva card);
- upon termination up to 730 days - 6.0 / 7.0,% (Halva card);
- upon termination up to 1095 days - 6.0 / 7.0% (halva card).
- terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
- upon termination within 31–90 days - 6.6%;
- upon termination within 91–180 days - 7.0%;
- upon termination within 181-270 days - 6.6%;
- upon termination within 271-365 days - 6.6%.
- terms and interest when opening foreign currency deposits:
- in US dollars for 271–365 days - 1.55%;
- in US dollars for 1095 days - 3.00%;
- in euros for 271–365 days - 1.00%.
Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;
- terms and interest:
- for ruble deposits for 91 or 191 days - 6.42–7.30%;
- in US dollars for 91 or 181 days - 0.20–0.80%;
- in euros for 91 or 181 days - 0.10%.
The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.
Terms:
- currency - rubles, dollars, euros;
- deposit term - from 3 months to 2 years;
- the minimum amount is 10,000 rubles; $300; 300 euros;
- terms and interest for ruble deposits:
- when opening at a bank branch - 6.10-7.30%;
- for individuals(pensioners) - 6.25-7.45%;
- when opening via the Internet - 6.30-7.50%.
- terms and interest for deposits in US dollars:
- when opening at a bank branch - 0.55-1.65%;
- for individuals (pensioners) - 0.55-1.65%;
- when opening via the Internet - 0.55-1.65%.
- terms and interest for deposits in euros:
- when opening at a bank branch - 0.01%;
- for individuals (pensioners) - 0.01%;
- when opening via the Internet - 0.01%.
During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.
Terms:
- currency - rubles, dollars;
- terms of deposit opening - from 31 to 1460 days;
- the minimum amount is 3000 rubles; $50;
- interest rate for ruble deposits - up to 6.70%;
- interest rate for deposits in US dollars - up to 2.45%.
One of the most comfortable conditions. An individual can receive interest even from small deposits on short term. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.
Terms:
- currency - rubles;
- minimum amount:
- when opening an online deposit - 30,000 rubles;
- when opening a deposit in a bank branch - 100,000 rubles.
- terms and interest when opening a deposit in a bank branch:
- for a period of 3–5 months - 6.20/6.23%;
- for a period of 6 months - 6.20/6.28%;
- for a period of 13–18 months - 5.90/6.15%;
- for a period of 18–24 months - 5.70/6.02%;
- terms and interest when opening a deposit online:
- for a period of 3–5 months - 6.60/6.64%;
- for a period of 6 months - 6.60/6.69%;
- for a period of 6–13 months - 6.15/6.23%;
- for a period of 13–18 months - 6.10/6.29%;
- for a period of 18–24 months - 5.90/6.15%;
- for a period of 24–36 months - 5.70/6.02%;
- for a period of 36–61 months - 3.10/3.25%.
This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 10,000 rubles; $500; 500 Euro;
- interest rates:
- in rubles - 5.5–6.23%;
- in US dollars - 0.35–2.38%;
- in euro - 0.01–0.20%.
You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.
Savings (Gazprombank)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 15,000 rubles; $500; 500 Euro;
- terms - from 3 months to 1097 days;
- interest rates for ruble deposits:
- for an amount from 15,000 to 300,000 rubles - 5.6–5.8%;
- for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
- for an amount from 1,000,000 rubles - 6.0–6.4%;
- interest rates for deposits in US dollars:
- in the amount from 500 to 10,000 dollars - 0.30–1.40%;
- in the amount of $10,000 or more - 0.40–1.50%;
- interest rates for euro deposits:
- for amounts from 500 to 10,000 euros - 0.01%;
- in the amount of 10,000 euros - 0.01%.
The long term includes separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.
"Replenish" (Sberbank)
Terms:
- currency - rubles, dollars;
- the minimum amount is 1000 rubles; $100;
- terms - from 3 months to 3 years;
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
- for 3–6 months - 3.70/3.71%;
- for 6–12 months - 3.80/3.83%;
- for 1–2 years - 3.60/3.66%;
- for 2–3 years - 3.45/3.63%;
- for 3 years - 3.45/3.63%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
- for 3-6 months - 3.85 / 3.86%;
- for 6–12 months - 3.95 / 3.98%;
- for 1–2 years - 3.75/3.82%;
- for 2–3 years - 3.70/3.83%;
- for 3 years - 3.60/3.80%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
- for 3-6 months - 3.45 / 3.45%;
- for 6–12 months - 3.55/3.58%;
- for 1–2 years - 3.55/3.58%;
- for 2–3 years - 3.30/3.41%;
- for 3 years - 3.20/3.35%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
- for 3–6 months - 3.60/3.61%;
- for 6–12 months - 3.70/3.73%;
- for 1–2 years - 3.50/3.56%;
- for 2–3 years - 3.45/3.57%;
- for 3 years - 3.35/3.52%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
- for 3-6 months - 0.25%;
- for 6–12 months - 0.55%;
- for 1–2 years - 0.85%;
- for 2-3 years - 0.95%;
- for 3 years - 1.05%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- for 3-6 months - 0.05%;
- for 6–12 months - 0.20%;
- for 1–2 years - 0.50%;
- for 2-3 years - 0.60%;
- for 3 years - 0.70%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
- for 3-6 months - 0.05%;
- for 6–12 months - 0.25%;
- for 1–2 years - 0.60%;
- for 2–3 years - 0.70%;
- for 3 years - 0.80%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
- for 3-6 months - 0.05%;
- for 6–12 months - 0.30%;
- for 1–2 years - 0.65%;
- for 2-3 years - 0.75%;
- for 3 years - 0.85%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $100):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.
Advice: find out which financial institutions today .
How to calculate the return on a deposit?
Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.
The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, where
- N - the initial amount of the contribution;
- P is the interest rate;
- d - calendar days after which new interest is charged (usually 30 or 31 days);
- D - 365 or 366 days a year, depending on the current year;
- n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).
Common mistakes when choosing a deposit
Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.
First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His action plan is based on getting the maximum benefit from clients who want the same - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.
Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.
Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening national currency banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you substantially less money, and without it it is impossible to transfer to the new deposit conditions.
Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.
Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.
Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.
Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.
Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.
This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.
Summing up
Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.
Also, initially decide what you want to receive from the deposit. Additional income guarantees the capitalization of interest. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.
Only a few banks offer high-interest deposits in Moscow. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if a few conditions are met:
High interest rates are possible within . Get the maximum profit and when opening a foreign currency account.
Citizens can open with a high percentage both at the place of registration and residence. To do this, you only need a passport. There are those who cooperate with young people from 14 years old. Offers for individuals are different:
Most high stakes on deposits in Moscow offer institutions that have high performance on own assets, good loan portfolio, which means they are stable.
On our website you will find deposits in banks with a high interest rate in 2020. For convenience, we offer a comparative table with up-to-date information and for calculating possible profits. The data is updated regularly, so our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.
What kind of deposit should be opened in a bank? What steps do you need to take to open online? You will find the answer to this question in the "Deposits" section of the Banki.ru portal. in rubles and foreign exchange, changes in interest rates, insurance - this is the information necessary for each client - an individual. After all, in order to get the desired income, you need to choose the right deposit.
On our site, the rates are updated daily. You can get and compare up-to-date species information bank deposits: multi-currency, investment, etc.
No less important for many consumers is the procedure for paying income by the bank: some are interested in deposits with monthly interest payments, while others are interested in receiving everything at once at the end of the term. Opening conditions for different banks may vary. Having carefully studied all the current offers for individuals, you can easily decide which bank to open.
You will also learn about what the concept itself is. bank deposit, which clauses are especially important in the contract, how the insurance system works, how to receive compensation in case of revocation of a license from a credit institution and how to choose the best, most profitable term deposit with a high interest rate. Now the most popular among the population are deposits in, and not deposits in and. At the same time, a certain part of citizens prefers to choose a multi-currency deposit and insure against losses in case of a sharp change in rates. All offers displayed on this page are the best or profitable only in the opinion of Banki.ru experts.
Pay attention to the parameters:
The most favorable rate– 8.7% per annum.
The site presents deposits from 322 largest Russian banks.
The retail giant traditionally leads the market -. However, there are many "under" offers from many credit organizations, and you will be able to find the bank that best suits your needs. The data on our website is a guarantee that you will always be aware of the latest changes, you will be able to compare bank offers and place your money savings with the maximum benefit by choosing exactly the deposit that you really need.
Users of the Banki.ru portal from different regions of Russia can choose profitable deposits and send to the opening on special conditions. View the rating of offers from Banki.ru experts
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New Product
5.75% per annum - this is the maximum rate of return of the new deposit program BBR Bank, named "2020". The most attractive rate is provided in case of depositing funds for 700 days (a deposit can also be made for 200 or 500 days).
17 Feb 2020Analytics
According to the Otkritie Bank, recently Russians are increasingly taking pictures available funds from deposit accounts and invest in investment products.In the hands of the population is about 30 trillion rubles. next autumn financial structure is planning an IPO. Maybe, securities the bank will sell to private investors.
12 Feb 2020Changing rates
Mortgages in Sovcombank can now be issued at a rate of 8.69% per annum. The amount of the housing loan is not more than 30 million rubles (may be increased in individually). Loans are provided for up to 30 years. It is possible to issue a loan on two documents. A loan application is considered within 1 business day. For deposits
19 Nov 2019New Product
Energobank's assets include a new deposit service with increased profitability. The rate on the "Competent investor" deposit reaches 8% per annum. The deposit can be issued for six months or for a year. The profitability of the program does not depend on the period of placement of funds. A prerequisite for making a deposit is the conclusion of an accumulative
29 Oct 2019New Product
The line of retail deposits of Vozrozhdenie Bank was replenished with four deposit products at once. The Replenished deposit is opened in rubles and US dollars. Maximum bet on the deposit - 5.5% per annum in rubles and 0.7% per annum in dollars. The placement amount is from 30 thousand rubles / 500 dollars. The deposit account can be replenished. "Active" deposit.
01 Oct 2019Changing rates
NS Bank revised the profitability of branded deposit products. The rate on the Investment deposit is currently 8% per annum. The deposit service is available for clients who have made investment insurance products. Interest is paid at the end of the term of the deposit agreement. "Saving" deposit. Bid -
02 Aug 2019Analytics
From January to June, the Deposit Insurance Agency paid insurance compensation to 55.8 thousand people. Such data is published on the website of the state corporation. For the first six months, the DIA paid out 32.8 billion rubles to former depositors of bankrupt banks. This money was received by half of the people who are eligible to claim the insurance payment.
July 23, 2019Changing rates
Gazprombank makes branded deposits more attractive. The marginal rate of return on the Vash Success deposit increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount of placement is 300 thousand rubles. The deposit is non-refundable. extradition
27 Feb 2019Most big stakes on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit under maximum percentage for today, in 2020.
A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.
Most deposits that are issued at maximum interest have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they are generally not term deposits, and savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:
Thinking where to invest money in 2020 so that they work, many are wondering: which bank has the most a large percentage by deposits. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.
"A profitable approach"
ICD
| 7,3%
bid | from 50 000 sum | 375 days term |
For those who open IIS
Without replenishment
Without partial withdrawal
Without capitalization
Interest at the end of the term
"Takeoff" 
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100 000 | 368 - 1800 days |
Registration of ILI or NSZH
Without replenishment
No partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3 000 | 31 days - 3 years |
Without replenishment
No partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
Without replenishment
No partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100 000 | 122 - 731 days |
Replenishment
No partial removal
Capitalization at the end of the term
Interest at the end of the term
"150 years of reliability"
before 5,1%
| from 500 000 | 3 – 36 months |
Without replenishment
No partial removal
Without capitalization
Interest at the end of the term
"For Savings"
Gazprombank
up to 5% | from 15 000 | 3 months - 3 years |
Without replenishment
No partial removal
Without capitalization
Interest at the end of the term
"Growing Time"
VTB bank
up to 5.0% | from 30 000 | 180 - 380 days |
Without replenishment
No partial removal
Capitalization monthly
Interest monthly
"Victory+"
up to 4.92% | from 10 000 | 92 days - 3 years |
Without replenishment
No partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1 000 | 1 month - 3 years |
Without replenishment
No partial removal
Without capitalization
Interest at the end of the term
Bank / Deposit |
|
| 7% | "Takeoff" |
| 5,32% | Gazprombank "Savings account" |
| 5,27% | "In reserve" |
| 5,22% | FC Otkritie "My piggy bank" |
| 5,02% | "Savings account" |
| 5% | Moscow Credit Bank "All Inclusive Maximum Income" |
| 4,82% | Pobeda+ Premium |
| 4,51% | VTB "Piggy bank" |
| 3,96% | "Save" |
| 3,81% | UniCredit Bank "First class" |
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.
Refunds in excess of this amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes, is not a public offer.
