Favorable interest on a deposit in which bank. Which bank has the most favorable conditions for deposits and a high percentage of the deposit. "Vozrozhdeniye" presents the contribution "Double Benefit"

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 for various deposit programs and interest, and in such operations the most profitable contribution accompanied by increased risks.

What does a profitable bank deposit mean for individuals

A wide range of deposit offers and promotions, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining 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.

The purpose of the deposit

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.

How to choose the most profitable deposit

To protect citizens' money, there is a bank deposit insurance program. 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.

Interest rates on deposits

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.

Interest capitalization

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.

Deposit amount

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 entering the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

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 the most high 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.

Possibility to replenish the deposit

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.

Interest withdrawal

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. In the case of monthly capitalization of interest, 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%.

Where to open a deposit at a high interest

Which bank is the most profitable in terms of deposits

A study by our experts showed that the Development Bank offers a large percentage of deposits. 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 highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Profitable deposits in 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 to create passive income, show new directions for acquiring assets and the most profitable contribution.

Profitable deposits in foreign currency

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 political elites on 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.

Deposits in Moscow banks at the maximum percentage

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%.

The deposit “Maximum Interest (online)” of BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. According to the program "All inclusive - maximum income online" 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.

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• New Product

  Bank Rossiya presents the Spring Mood deposit

  Bank Rossiya customers got the opportunity to make a seasonal deposit Spring mood» yield up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be issued for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.

  March 06, 2020

• Changing rates

  Energobank has revised the conditions for deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the "Pension Mood" deposit currently reaches 5.1% per annum. The minimum amount of placement under the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the "Convenient" deposit is now 4.7% per annum.

  18 Feb 2020

• New Product

  Expobank presented the Bright Winter deposit

  The line of deposit services of Expobank was replenished with the seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on placed funds: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. The minimum amount to be placed within

  10 Dec 2019

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

  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 2019

• New Product

  Roscosmosbank presented new deposits for individuals

  Roscosmosbank clients can use two new deposit programs financial institution. The “Comfortable” deposit at the Head Office and at the Cosmodrome-Plesetsk branch can be issued on the following terms:

  July 11, 2019

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  RF Armed Forces: disputed deposit case

  He did not agree with the arguments of the manager about the absence of an agreement between Belous and Ekaterininsky Supreme Court. At the meeting, the plaintiff said that he had personally communicated with the president of the bank regarding the opening of deposits. In his office, he handed over the money and received receipt and cash orders. He signed the contracts that were offered to him, and he

  03 May 2019

• New Product

  "Vozrozhdeniye" presents the contribution "Double Benefit"

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  01 Apr 2019

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  Last year, in order to attract investors, some Russian banks set favorable conditions, and then “tightened the screws”. This practice has drawn attention oversight bodies– The Central Bank and the Federal Antimonopoly Service, which prepared a joint letter of warning for credit institutions. Antimonopoly and the regulator find it wrong

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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 in order to receive passive income. You can buy a currency and wait for it to rise in price, you can earn money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Bank deposits individuals still remain the most reliable and traditional way of investing savings in Russia today.

Choosing the most profitable deposit: what to look for

When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of savings even during a banking crisis.

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.

What deposits in reliable Russian banks are the most profitable today

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"

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

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.

Most 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, in general, are not term deposits, but 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:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that they work, many are wondering: which bank has the largest percentage of deposits today. 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.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB bank

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

High interest deposits for 6 months

High interest deposits for 1 year

If you need to withdraw all the money from the deposit before the end of the term, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits?

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 the 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 the specified 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 and is not a public offer.

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. Most huge contribution- . But this can only happen if a few conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the expiration of the contract;
• the client belongs to the privileged category.

High interest rates are possible within . Get the maximum profit and when opening a foreign currency account.

Conditions for opening a high-interest deposit in Moscow

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:

• minimum amounts.

The highest deposit rates in Moscow are offered by 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.