Deposit maximum percentage. In which bank to open a deposit at a high interest rate? Early withdrawal deposits

A strict economy, hard work, an inheritance or a gift can give you a free amount of money that you can use the most. different ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as to receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since the interest on deposits in Moscow in many ways determines how much of the deposit will be added to the original, many consider them the most important condition of the deposit and on this basis make the choice of the program and the bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but they are not the only ones that can decrease or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• term deposits with a strict limitation of the period of saving savings are characterized by the highest interest rates;
• perpetual or short-term deposits are usually accompanied by more low rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to correctly plan your budget in order to be ready to comply with certain restrictions:

• closing ban bank deposit in Moscow ahead of schedule;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the interest payment period for yourself. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits is calculated individuals in Moscow every day, but may differ from each other by the presence of capitalization.

In which bank in Moscow is it better to open a deposit?

In 2020, many banks work with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, making calculations, and consulting with specialists.

Get all the information you need quickly active deposits The deposit calculator on this page will help you:

1. Enter your deposit requirements.
2. Receive full list actual deposits in banks in Moscow are updated today.

After that, you will be able to make a balanced choice, as well as immediately submit an online application for the selected deposit program.

Wanting to get stable, though not big income, citizens who have certain savings are increasingly trying to open a deposit in various banks. For most investors, the most important indicator when choosing savings program, is an interest rate... However, there are several more significant nuances that you should pay attention to when choosing a deposit product. What to look for, and in which bank high interest rates on deposits, we will tell you in our article.

It so happened that the majority of depositors, when choosing a deposit program, pay main attention to the interest rate. And this is the biggest mistake. But what about reliability? Most large percentage usually promise new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their depositors without the promised income and without their own savings either.

It is for this reason that the first thing a client should pay attention to is the reliability of the bank. Reliability is checked by the stability of work financial institution, guaranteed payments on deposit operations, as well as market leadership banking services... As a rule, it is large banks, who have been coping with all crisis situations for many years, are rightfully becoming the most demanded among the population.

Of course, security comes at a price. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the likelihood of receiving the planned income increases significantly.

Important! An additional guarantee is governmental support those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even if the bank goes bankrupt. Therefore, first of all, when choosing a bank to register a deposit, you need to pay attention to whether the bank has a state deposit insurance license.

Additional criteria

We figured out the reliability, now let's decide what else should be considered when choosing a deposit.

1. Interest... For some, this indicator will come first, but it is still better to consider it after choosing the most reliable bank. So, among the market leaders financial services, there are not so few banks that are ready to offer their depositors enough profitable contribution. Good indicator percent today fluctuates in the range of 8-8.3%. Of course, you can find interest and better, but the conditions may be too strict for those wishing to invest.
2. Possibility of early partial or full withdrawal of money... This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract period from six months to a year. These are the most profitable and not too long-term programs, because there are always risks of a recession in the economy and an unexpected bankruptcy of the bank. However, there are times when there is no opportunity to wait for the end of the deposit term, and the money is needed right now, then you need to clarify whether you will be able to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profits in the event of early closure of the deposit agreement. After all, some banks almost completely take the accumulated interest, even if the deposit has matured for almost the entire agreed period.

3. Capitalization of the received profit... One more important indicator- the possibility of capitalizing the income received. That is, the agreement may provide for the automatic combination of the principal amount of the deposit with the interest due in time, and the accrual of the next interest, taking into account the increase in the size of the principal deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise accrual of interest. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
4. Term of registration of a deposit... This factor is also significant, because often banks offer very decent interest rates only on short-term deposits. For deposits with a maturity of one year, the percentage becomes slightly lower.
5. Mandatory input amount... Most depositors are confident that they can deposit any amount they have at interest. However, this is not the case. Of course, there are banks that are completely unimportant to the amount of your savings that you want to put at interest, but most establish threshold contribution. Moreover, the more this amount, the more percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to wrap the money it has. Accordingly, their profit depends on this.

Which banks have the highest interest rates?

So, as we have already decided, the most important factors when choosing a deposit program are bank reliability and interest rate. We will not compare the interest rates of banks with dubious reputations, which simply want to attract as many customers as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not collapse until the time comes to collect the accumulated interest? Do you run the risk of being left completely without money?

As you can see, those who want to invest their own money under high interest will have to seriously search for the most actual offers... Of course, in addition to the proposed options, there are many more offers from various banks, and sometimes they can be more attractive. Special attention should be given to short-term promotions. For example, during the period new year holidays many banks had promotional offers with very attractive interest rates.

An important point! As a rule, most banks are ready to offer the maximum interest rate only for a short-term investment in a deposit account. However, you should not chase after small benefits, it may be better to choose a loan with a lower rate, but on more favorable terms of placement and with lower commission costs.

Content

Keep your money in the Savings Bank, if you have it! A quote from Gaidai's comedy is still relevant now. Interest rates on deposits in banks are high today so that people can profitably place money on a deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and keeping bills at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, in a deposit or savings account. The index of trust in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however there is a concept of the average rate bank interest, which is established by the Central Bank:

• The central bank analyzes the actions of all financial institutions, not only to identify violations that lead to fines or revocation of licenses. Other indicators are also monitored.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the last 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls banking market without giving the opportunity credit institutions risking clients' money.

Pension deposit interest

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a replenishment function, which is a kind of analogue of a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank makes pensioners happy favorable conditions- interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishment deposit for 3 years, 3.5% per annum, "Save" - ​​a non-replenishment, the rate of 5.6% (when opening an online account - up to 6.13%), "Top up" - 5.12% ( online - 5.63%). There is "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension" - 7.75%.

Interest on ruble deposits

The main share bank deposits make up ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but the minimum amount starts from 1000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
• Alfa Bank also keeps the bar in the region of 9-10% on three-year accounts.

Foreign currency deposit rates

Although the euro is considered a more reliable currency, the situation with foreign exchange investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks fluctuate from 1.5 to 3.5% per annum, and again, the promoted players are in no hurry to make high interest rates on multicurrency accounts. If you want to earn extra money - take advantage of offers from small regional financial institutions, but along with the growth of interest, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and the results are used to compile a rating of TOP-10 lucrative offers. They take into account the rating credit agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The best programs for Moscow banks:

• “With the maximum rate” - 8%, Uralsib;
• Vlad to the Future - 10%, BinBank;
• Partner - 8%, Nevsky Bank;
• "Maximum income" - up to 8.4% from Sovcombank;
• "All inclusive Maximum income" - 8.5% from the institution Moscow Credit Bank;
• « Financial protection", In euros, 3.5% - Promsvyazbank;
• For Life, in euros, 3% - UniCredit Bank;
• “Tradition of Success”, in euros, 2.5% - Promsvyazbank.

High rates on deposits

Interest rates on bank deposits today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

• the intensity of issuing loans, which constitute the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
• deposits with compound interest initially offer less profit than with a simple rate.

Major players in financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of revocation of the license or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, taking into account:

• analysis of the work of a credit institution by the Central Bank, taking into account the value of its equity capital;
• customer reviews of the institution's work;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks this year looks like this:

• Magnus - 8% per annum from J&T Bank;
• « Solid percentage"- 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-a year from UniCreditBank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Perspective" - ​​up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-refillable deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may turn out to be interesting:

• "Solid" - 10.5% for 550 days from GazTransBank;
• “Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
• “Fidelity to the Premium Traditions” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• "By Europlan" - 10% per year from BinBank Capital;
• "Safe" - 10% per year from the bank "Interaction".

Interest rates on deposits in Sberbank for today

Average seldom exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

• "Memory of generations" - the minimum deposit is 10,000 rubles. the size of the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to War Veterans.
• "Save Online" - can be done in any currency. A small minimum amount - only 1000 rubles. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• "Drive!" - rechargeable, it is possible to issue it online. The percentages range from 3 to 5.85.
• "Give Life" - part of the income is donated to the Foundation of the same name. Term - 1 year, rate - 5.3%, no replenishment.
• "Savings" - an ordinary account with minimum interest 2.3 per annum. There are deposits and early withdrawals.
• "Savings Certificate" is a lucrative offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

VTB Bank 24

This bank has a share of government money, so its reliability is fully justified. The interest on the deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• "Accumulative" - ​​from 200,000 rubles. for 3 months and more, interest - up to 6.95, there is income capitalization;
• "Comfortable" - 5.35% (when ordering on the website 5.5%) - a period of six months, the minimum amount - from 200,000 rubles, there is an opportunity partial withdrawal.

Russian Agricultural Bank

Rosselkhozbank positions itself as “ National Bank»With advantageous offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9%, depending on the duration and size:

• "Investment" - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is RUB 15,000,000;
• "Classic" - profit 7.95% per annum, interest payment - at your choice, the minimum amount - 3000 rubles.

Deposit in Alfa-Bank

The interest rate of the deposit in Alfa-Bank is comparable to that of competitors, but the popularity of the financial institution is great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and minimum amount 50,000 p.;
• "Pobeda +" - a six-month deposit, up to 7.3% and a deposit amount of 50,000 rubles or more;
• "Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
• "Premier +" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was subsidiary a major credit player VTB24. Last year, all branches of "Leto-Bank" were closed, and customers were surprised to find that they were being served in "Pochta-Bank". An aggressive advertising campaign with the involvement of famous actors is doing its job, the bank constantly calls on to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits in the Post Bank, and all deposits are subject to insurance:

• "Seasonal" - for a year with an amount of placement from 50,000 rubles. The rate is 8.25% with payment of profits at the end of the term, pensioners receive 8.5% per annum.
• "Capital" - for six months or a year up to 8.25% plus a card as a gift.
• "Accumulative" - ​​a replenishment deposit of up to 7.5% and a minimum amount of 5,000 rubles. possible early closing and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It should be noted that high interest rates on deposits in banks today are leaders among credit institutions do not offer, but decide which option is more important - profit or reliability - only to the client. Almost all banks operating on the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Video: Interest rates on deposits in 2019

Discuss

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe profitable investment money for everyone and depends on the depositor's attitude to the reliability of the bank, auto-rollover, capitalization and other conditions. The best interest rates on deposits usually come with risks and some inconvenience for the depositor.

This page contains banks offering the maximum interest rates on deposits. To get to know the best offers and programs in more detail, click the "Checkout" button - you will be redirected to the bank's website.

Creditznatok is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income- here you will find the most high percent on deposits in Moscow and you can now profitably manage your money.

Analysis of profitable offers

Proposals that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated against the new increased amount. Among the best profitable offers you can also highlight:

• do not allow replenishment and partial withdrawal of funds;
• not allowing the withdrawal of income before the end of the contract;
• promotional offers of banks dedicated to memorable dates.

Time deposits with the highest interest rates can also be found among foreign exchange products: the interest rate here is lower than that of rubles, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high interest rate are easier to find in less popular small banks. With an impeccable reputation, large banks do not need the most high rates to attract depositors - many of them choose reliability and stability over quick money. Additional advantages - convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to make a profitable investment. Select suitable bank it is possible according to several criteria: large income, term, size of the deposit, currency. It should be remembered that a high rate exceeding the refinancing rate by 5 points will entail a tax payment of 35% on the difference between the interest.

To find out more, click on the "Checkout" button: get all the necessary information and fill out an application on the bank's website. Look for profitable offer together with Creditznatok!