Dollars at interest in the bank. Interest rates on foreign currency deposits. Where to find the best option and how to arrange

It is a fairly popular way of storing funds. Despite the fact that it is less profitable compared to ruble, even at the low rate of the currency deposit, it can bring good profits. Indeed, in this case, the depositor receives not only income in the form of interest accrual, but also due to the growth rate of the dollar in relation to the ruble. It is believed that dollar deposits are better protected from the negative impact of economic crises.

Open a deposit in dollars to interest will be beneficial

• kom. accrued salaryin this currency,
• who is trying to postpone a certain amount of travel
• or purchase foreign real estate,
• who doubts B. rubble reliability.

Moreover, experts usually advise to share funds into several accounts: dollars, rubles, euros to diversify risks.

Each citizen of Russia, Ukraine and any country of the former Soviet Union, not only a major investor, but also legal, individuals, can open an account in foreign currency. As a rule, the minimum deposit amount is a hundred dollars. Conditions for investors are the same as when the ruble account is issued.

Before and put money on a deposit in dollars, you need to pay attention to some features:

• The account duration is divided into urgent, long-term and indefinite
• Depending on the type of registration - you can open online or in the representation of the bank
• Interest can be accrued at the end of the month, quarter, year, advance
• There are various types of deposits - accumulative, savings, demand
• The procedure for making money to the account - with the ability to replenish or without it

As a rule, deposits in the American currency suggest smaller interest, longer periods, certain limit restrictions are often set, there is no possibility to remove funds at any time, etc., but it all depends on the specific sentence.

The advantages of deposits in the American currency

Many depositors choose exactly the option of preserving and increase funds, so banks constantly create new proposals and try to attract customers maximum opportunities and advantages, giving the opportunity to profitable.

Among the main advantages of the decision to put the US currency on the deposit are distinguished by such:

• High level inflation protection, relative reliability and stability due to the fact that the dollar acts as an international means of payment, many other countries depends on it.
• Insurance of the contribution to the amount equal to the maximum of 1 million 400 thousand in the ruble equivalent. If the bank goes ruins, the state will cover the payment and calculates the client under the current course of the Central Bank
• Most often, banks draw up an account for free, allow it to replenish it, entering out both in dollars and in rubles at the current course
• When opening an account with an amount exceeding a thousand US dollars, the client receives a map that works in any country in the world
• If you consider the current currency exchange rate, even small interest rates in foreign finance deposits are very beneficial in comparison with ruble accounts.

Disadvantages and risks of deposit in dollars

Deciding on the opening of an account in US currency, it is necessary to remember some nuances and risks:

1) It is worth watching not only percentages on deposits, but also to other indicators: ranking reliability banks, Performance accrual features, additional services, etc. It often happens that with a smaller percentage, the final amount in one bank is more than in where much higher percentages are stated, as they use different ways of accrual.

2) It is desirable that the contract specifies the term of the deposit, not in months / years, and the days.

3) deciding where to put a deposit in dollars should also pay attention to whether they are charged interest by date Deposit or by the first number of each month.

4) Be sure to find out all the possibilities of capitalization, limit of funds, features of the deposit replenishment, etc.

5) get acquainted with terms of termination contract to know how to act in emergency situations.

6) When opening a multicurrency account, you must ask conversion conditions Currencies - what course is performed.

7) Availability preferential conditions - Perhaps when designing online or an ATM will be able to receive additional benefits.

8) if a plastic card is provided, learn about service cost, Include it in commission service.

9) Be sure to pay attention to cash Removal Tariffs or communication, general service, etc.

Some statistics on deposits in video:

Selection of a specific offer for deposits

To choose a profitable deposit in dollars, it is necessary to carefully learn the programs and types of deposits of different banks:

• VTB24 Bank offers a variety of programs, thanks to which can be obtained from 1.7 to 3.85 percent annual
• Sberbank makes it possible to open several deposits in a fairly wide range: from 1.8% to 5.05%, depending on the terms and amount
• Alpha Bank offers rates in the range of 1.1-4.9%
• Gazprombank makes it possible to open deposits with rates from 3.8 to 4 percent

Everyone has the minimum amounts, the capitalization time, payout scheme, etc. Therefore, in the process of finding the most advantageous deposit in dollars in Moscow, it is necessary to personally visit the branches and to deal with all the subtleties, percentages that may vary depending on the economic situation, currency courses, the success of the Bank's work, etc.

It is worth noting that relatively favorable sentences make little-known commercial structures: so, investorgbank makes it possible to receive up to 5.5%, Agroincombank is up to 7% (and is only $ 30), the republican social commercial bank guarantees receipt of 8% and sufficiently loyal conditions, the Agrosuzu also Attracts customers with profitability and good conditions.

The final choice always depends on the client, but before you trust the impressive amount of funds, you need to study everything very carefully.

And a small joke

It's no secret that at least one decorated loan is among everyone: many of us are accustomed to live "in debt". However, recently, the financial literacy of the population is growing: we begin to look for other optimization options and replenish your budget. Currency deposits in Moscow are becoming increasingly popular. Due to the translation of savings into foreign currency, they protect against capital depreciation, and due to the interest paid to obtain income.

Interest on multicurrency deposits in Moscow

If you decide to open a deposit in the currency in Moscow, then do not rush to carry your money to the first jar, which promises a big income due to the highest deposit rates in the currency. In fact, to estimate the level of profitability of the deposit, it is necessary to study all the nuances of its functioning:

1. You give the bank your accumulations (for each deposit the minimum border is set) for a certain period (there are options for perpetual deposits, close that can be at any time).
2. During this period, the bank not only guaranteed keeps your savings in the established currency, but also actively use them as part of their capital.
3. As soon as you want to pick up money, the bank takes them out of their turnover and gives you a percentage of the deposit currency.

As a result, currency deposits in Moscow banks should be considered a combination of such conditions as the amount, deadline and interest, which can be obtained precisely for the fact that the bank has the ability to use the amount on the contribution within a certain period. Consequently, the more comfortable conditions for your multicurrency contribution in Moscow or deposit in one foreign currency for the bank, the higher interest on deposits in the currency you can get.

Accordingly, high interest on foreign currency deposits in Moscow imply some restrictions for the client:

• since the bank has already planned that it will use your money for a certain period, it establishes a ban on the closure of the contribution before this period;
• if suddenly the deposit of the permanent, then the bank still sets the period during which it must be prevented about the closure so that it can painlessly get the right amount from the turnover;
• during the term of the contract, it is impossible to shoot a part of money placed on the contribution.

For compliance with these conditions, the bank pays the highest interest, but for a violation can reduce the initial rate to the minimum possible. Therefore, carefully evaluate your financial opportunities before opening the deposit.

What bank of Moscow is better to open a deposit in the currency?

To open a multicurrency deposit or deposit in one foreign currency, you will have to spend some time searching and collecting all the necessary information on options presented in the market (Sberbank and VTB and VTB, and almost all banks of Moscow) work in the currency.

To find and choose your most favorable option of the contribution of individuals in currency in Moscow as quickly as possible and without more effort, use special online deposit calculators for foreign currency deposits in Moscow. Under your individual requirements that you enter into the appropriate form, the system will select and show the full list of suitable options for deposits 2020.

As a result, in one place for each relevant deposit option, you will receive the following information:

• deposit period;
• interest rate (per year);
• final income (for the specified period: as a rule, year).

You can quickly make the right and reasonable choice, and then immediately send an online application on the deposit in currency, and proceed to design.

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• New Product

  Bank "Russia" presents the contribution "Spring Mood"

  Customers of the Bank "Russia" were able to issue a seasonal deposit "Spring mood" by returning to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). Will be issued for a term of 31 to 367 days. Such for placement - at least 3 thousand rubles. Dressens

  March 6, 2020.

• Change rates

  Energobank revised the conditions for deposits

  Energobanc announced a change in the conditions for the placement of ruble deposits. The deposit on the "Pension Mood" contribution reaches 5.1% per annum. The minimum deposit amount within the program is 5 thousand rubles. The time of placement of funds - 200 or 367 days. Maximum rate on the "Comfortable" deposit is now 4.7% per annum.

  18 Feb 2020.

• New Product

  Expobank presented the contribution "Bright Winter"

  The line of deposit services Expobank was replenished with a seasonal product "Bright Winter". The contribution is divided into 3 periods, for each of which an individual rate of profitability of the placed funds is established: 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. Mimnal amount to accommodation within

  10 Dec 2019.

• Change rates

  Sovcombank revised mortgage rates, on deposits and on the map "Halva"

  The mortgage in the SovkomBank can now be issued at a rate of 8.69% per annum. The amount of housing loan is no more than 30 million rubles (it can be enhanced individually). Loans are granted for up to 30 years. It is possible to design a loan on two documents. Credit application is considered within 1 working day. By deposits

  19 Nov 2019.

• New Product

  Roskosmosbank introduced new contributions for individuals

  Roskosmosbank's clients can take advantage of the two new deposit programs of the financial institution. The "Comfortable" company in the head bank and the branch "Kosmodrom - Plesetsk" can be issued on the following conditions: the minimum amount of accommodation is 30 thousand rubles or $ 500 / Euro. Impring 365 days. Maximal

  July 11, 2019.

• Bank discussions

  Armed Forces: The case of controversial deposits

  With the arguments of the manager about the absence of a contract with Belois with "Ekaterininsky", the Supreme Court did not agree. At the meeting, the plaintiff told that about the opening of deposits communicated personally with the president of the bank. In his office he passed money and received profit-cash orders. Contracts signed the ones to him and he

  May 03, 2019.

• New Product

  "Revival" presents the contribution of "Double Benefit"

  Bank "Revival" proposes to raise the contribution "Double Benefit". The maximum yield of the new deposit service is 7.98% per annum (taking into account capitalization). The rate is provided when placing funds for 1 year. The minimum amount to accommodation is 50 thousand rubles. The "double benefit" is drawn up after the conclusion of the Agreement

  01 Apr 2019.

• Actual

  Last year, to attract depositors, some Russian banks set favorable conditions, and then "screwed nuts". This practice attracted the attention of the supervisory authorities - the Central Bank and the FAS, which prepared a joint letter with warnings for credit institutions. Banstimonopolkers and regulator find incorrect

  Jan 11, 2019.

Since you rushed to save money from devaluation and chose American currency as a means of salvation, it would be nice to know which bank is the most profitable dollar deposits. But for starters, decide for yourself that you understand the benefits. When it comes to money, it is often inversely proportional to reliability. What preferred: or high deposit rates? Consider both options.

To obtain a major earnings, many other financial instruments are invented, and the contribution is designed to save savings from inflation and physical loss. Therefore, the bets should not be the main criterion of choice. And at the current uncertainty in the economy, ideally, it is necessary to diversify the risks - invested in different objects or at least keep money in different banks.

Since 2004, all deposits of individuals are insured by the state. True, the amount of compensation is limited - currently up to 1,400,000 rubles (or equivalent in currency). If you need to invest an amount within this restriction, you can openly open an account in any bank you like. The main thing is to check whether the Bank is included in the deposit insurance system.

If you have more money, then two options:

• Sewage savings on the part and open accounts in several banks.
• Open the contribution in one of the system-forming banks of the country.

The system-forming bank is an organization that the state will not allow to go bankrupt. Whatever happens in the economy, the bank will survive. But such banks have one minus - rates on deposits in them are more than modest. They can afford it, as the people "pecks" on reliability. In turn, less sustainable organizations to attract customers offer more favorable conditions.

Those who in the early 90s of the restless twentieth century chose an unsuccessful time to open now will not agree and say that there are no banks that can be fully rejected. But no financial crisis compares with the change of the country's economic and political structure. These two situations are incomparable, they cannot be compared.

Therefore, your task is to determine for yourself whether it is more priority reliability or still a bet. In the meantime, you think we will tell about the most reliable and most profitable dollar deposits today.

The Central Bank presents such a list of system-forming banks: Sberbank, VTB, Rosselkhozbank, Gazprombank, UniCredit Bank, Raiffeisenbank, Rosbank, Alpha Bank, FC Otkrew, Promsvyazbank.

Promsvyazbank

Interest rates are indicated taking into account capitalization. If you open the interest rates, albeit slightly (about 0.25 percentage points), but still higher.

Gazprombank

* The contribution of Gazprombank involves the mandatory investment of funds in the FIF.

Raiffeisenbank

Interest rates are indicated taking into account capitalization.

In addition to the usual deposits, Raiffeisenbank offers comprehensive products. This is when simultaneously with the opening of the deposit, you invest your funds. The amount of the amount is placed on the account, and the part is sent, for example, to buy mutual investment funds. Income on the contribution of fixed - in the amount of an established interest rate. Investment income depends on the coincidence. You can get a lot, but you can lose everything. But currently comprehensive programs open only

Separately, we note the product "Triple Benefit", which is still quite relevant, because it opens at once in three currencies (rubles, dollars, euros). Deposit terms - 6 and 12 months. The minimum total deposit at the rate of the Bank of Russia on the opening day of 1 million rubles, while the share of the ruble part of at least 50% of the total amount. Maximum rates (with capitalization): rubles - 4.0%, dollars - 0.7%, euro - 0.2%.

Banks that we now call are not included in the list of systemically significant. But this does not mean that they are unreliable. In addition, they are included in the deposit insurance system, and you are not risking anything. However, we do not recommend discovering a deposit in the amount of more than 1,400,000 rubles (or equivalent in American dollars). Especially taking into account the active cleansing that the central bank continues.

And yet, when you directly contact the selected bank, check again, whether the money is insured. Rarely, but it happens that the Insurance Agency excludes a bank from the system if the activities of this organization are recognized as risky or inspires other concerns.

Rennesans Credit

Investtorgbank

Verineolzhsky (Moscow branch)

Moskommertsbank

Taurical

BCK-Moscow

Relevant for March 2018.

The situation in the Russian economy remains unstable, and inflation overlaps profits on deposits. Therefore, in recent times, contributions in the currency are becoming more urgent, and in particular in US dollars.

For the convenience of depositors, we created a rating of the most favorable deposits, which included the largest and most reliable banks, 13 of which are denoted by the Central Bank of the Russian Federation as systemically significant. Their official list is not published not to cause outflow of funds from the accounts of other credit institutions, but they are under the tight control of the state.

For analysis, deposits were chosen in US dollars with the capitalization of interest and the possibility of replenishing and removing funds. For clarity, we considered separately the terms of the programs within the sum insured and over 700,000 rubles.

At the moment, all deposits in the amount of up to 700,000 rubles are insured, and in the event of a license with a credit institution, the state guarantees the return of funds within the limits of this money. Before making a deposit, it is necessary to make sure that the bank has a license to attract funds to individuals. To do this, go to the Deposit Insurance Agency website and check whether the selected bank enters the system.

Despite the fact that banks offer on deposits in the amount of more than 700,000 rubles the highest rates, guarantees of the return of such money they cannot provide. Therefore, experts recommend to share their savings for smaller amounts and place them in different banks.

Below is the analysis of deposits involved in the ranking divided by certain categories.
Deposit with interest capitalization

Deposits with the option of capitalization are particularly popular. Deposits with complex interest allow you to get increased income. Their feature is that interest is accrued with certain periodicity and are added to the principal amount of the deposit. Capitalization is daily, weekly, monthly, quarterly and annual. However, daily and monthly capitalization is most often practiced. This means that percentages are accrued monthly and added to the deposit amount. As a result, interest is accrued for interest, constantly increasing the final profit.

Such deposits will suit customers who want to get the maximum income. Often programs with percent capitalization provide replenishment and removal of funds. However, it happens that the money from the deposit is not allowed. Therefore, before choosing a program, it is worth paying attention not only to the interest rate, but also on the main conditions for posting money.

Deposits with capitalization up to 700,000 rubles

For the convenience of depositors, we separately present the analysis of deposits within the insurance amount and exceeding the amount of 700,000 rubles.

Note!

Contributions in the amount of more than 700,000 rubles are not insured, and the responsibility for their return in the case of a license or bankruptcy bankruptcy is invited by the Client.

Russian standard

The first place in the rating is the contribution of "Earlier" from the Russian Standard Bank, which can be issued in the department, mobile or Internet bank. The minimum initial contribution when opening a deposit in the office of the credit institution is 30,000 rubles, $ 1,000 / euro, and through Mobile and Internet Bank - 10,000 rubles, 300 US dollars / euro. The placement period is 180, 360, 540 or 720 days.

During the entire term of the contract, additional account replenishment is allowed. When switching to the next summion range, the interest rate automatically increases. Interest is charged monthly or quarterly, capitalized or paid by the owner of the Deposit - all at the request of the client. The rate depends on the term, the amount and method of registration of the deposit and is 2-3 percent per annum.

NOMOS-BANK.

The second place in the rating occupies a nosos-bank with the contribution "nomos-maxim", which can be issued in the department or through the Internet bank. The minimum amount for accommodation is 10,000 rubles, $ 400 / euro, time - 3 or 6 months, 1 or 2 years. The client can receive a monthly income or capitalize interest and increase its income.

To replenish and remove funds from the account until the end of the contract is prohibited, therefore the contribution will suit customers, confident that they will not need money in the near future. In case of early termination of the Agreement, interest are accrued at a rate of 1% per annum in currency. The interest rate depends on the period, the amount is 1.6-2.98 percent per annum, taking into account capitalization.

Uralsib

Third place is the contribution "stable" from Uralsib. The minimum amount of the placement of funds is 10 000 rubles, 300 US dollars / euro, term - 91, 181, 271, 367, 541, 732 or 1100 days. Deposit is allowed. Conditions for making additional contributions can be found on the bank's website. The minimum amount is 5000 rubles, 200 US dollars / euros. When replenished through the Internet Bank, the amount of the contribution of unlimited.

Interest is charged monthly, paid to a separate account or capitalized at the request of the client. When switching to the following summation gradation, the interest rate increases. The rate depends on the amount, the term of the deposit and is 1.2-2.6 percent per annum.

In case of early termination of the contract for the deadlines 91, 181 and 271 days, interest is accrued at a rate of 0.01% per annum. For the deadlines 367, 541, 732 and 1100 days - at a rate of 0.01% per annum, if the funds on the deposit were up to 180 days, and at a special rate, if the actual placement period of the deposit exceeded 180 days.

Deposits from 700,000 rubles

Lidate in the Nosos-Bank rating with the contribution "NOMOS-Maximum" and the interest rate to 3.1% per annum in US dollars and the Russian Standard Bank with the Earlier Deposit and the interest rate to 3% per annum in US dollars. The analysis of these programs is presented above, so consider the following participants in the rating.

Alfa Bank

Represents the "Prize-Regular Income" contribution from Alfa-Bank, with a monthly interest accrual. The minimum amount of the placement of funds is 10 000 rubles, $ 500 / Euro, term - 92, 184, 276, 550 days, 1, 2, 3 years. Interest can be removed monthly in cash or translate to another account. The interest rate depends on the term, the deposit amount is 0.85-2.6 percent per annum in US dollars. In case of early termination of the Agreement, interest are accrued at a rate of 0.005% per annum.

Rosselkhozbank

The following in the ranking is the contribution of "accumulative" from Rosselkhozbank, which is drawn up in the department, through an ATM or an Internet office. The minimum initial fee is 3000 rubles, 100 US / EURO dollars, placement period - 91, 180, 270, 365, 540 or 730 days.

It is possible to replenish the deposit of from 3000 rubles, 100 US dollars / euro, but no later than 30 calendar days before the expiration date of the contract. When switching to the following summation gradation, the interest rate increases. Removing funds from the account is not provided. In case of early termination of the deposit, interest is paid at the request "to demand".

Interest is charged monthly and at the request of the depositor are listed on the account or are capitalized. The interest rate depends on the term, the deposit amount is 1.05-2.4 percent per annum in US dollars.

Sberbank

The contribution of "Save" allows you to get the maximum income. The time of placement of funds - from 1 month to 3 years, the minimum amount is 1000 rubles, 100 US dollars / euro. Replenishment and partial removal of the contract is not provided.

Interest is charged monthly, at the request of the depositor they are paid or added to the deposit amount. The interest rate depends on the amount, the deposit period is 0.45-2.33 percent per annum in US dollars, taking into account capitalization.

In case of early termination of the contract for up to six months, interest is accrued at a rate of 0.01% per annum. When terminating the contribution, which was in the bank more than half a year - in the amount of 2/3 of the actual bet.

Deposits with the ability to withdraw and replenish

Deposits with flexible conditions provide access to money at any time. Such deposits enjoy the continued success of the depositors, because they allow you to receive additional income and simultaneously manage our own savings. The client has the right to take part of the money within the abnormal balance and replenish the deposit to increase the total profit.

Usually banks within the framework of these programs set the minimum amount to which you can remove the funds from the account - this is an uncomplicable residue. Sometimes it is limited not to the minimum balance of the balance, but the maximum amount that is allowed to remove from the account.

In the conditions of an unstable economic situation, contributions with flexible conditions are becoming increasingly popular, despite the fact that rates on them are usually lower than on proposals without the possibility of removing funds. If the client makes a critical situation, and he wants to pick up money, and this is not provided for by the contract, then it completely loses all the profit, even if the money is left until the end of the money placement, there are two weeks at the time of placement for two years. If the contract provides for partial removal of funds, then the depositor in this case does not lose its income.

Analysis of deposits with maximum yield in category up to 700,000 rubles and higher.

Within the sum insured

Uralsib

The bank ranks first in the rating with the business class deposit. The minimum amount of means of placement of funds and non-expendable residue is 100,000 rubles, $ 5,000 / euro, term - 181, 367, 541, 732, 1100 days. You can replenish the contribution without restrictions on time, removal of funds is allowed within the abnormal residue. Interest are charged quarterly and added to the principal deposit. In case of early termination of the Agreement, interest is paid at a rate of 0.01% per annum. The interest rate depends on the period, the deposit amount is 0.7-1.9 percent per annum.

Promsvyazbank

In second place in the ranking with the program "My Features", Promsvyazbank is located. The minimum amount of accommodation is 1000 US dollars for Moscow and the Moscow region and $ 500 for the regions. Term - 181, 367 or 731 day. It is possible to replenish the contribution without restrictions on the amount, but no later than 30 calendar days before the expiration of the contract. Percentages are charged monthly and at the request of the depositor are paid to another account or are capitalized. It is allowed to remove funds to the level of the unsigned residue.

The interest rate depends on the term, the deposit amount is 1.1-1.8 percent per annum in US dollars. When making a deposit through the Internet Bank, the rate increases by 0.3% per annum. In case of early termination of the Agreement, interest is paid at the request "to demand", at the same time an additional commission may be charged.

From April 3, 2014, the Deposit in the department opens if the client has a current comprehensive banking service agreement of individuals in OJSC Promsvyazbank.

Rosselkhozbank

Rosselkhozbank ranks third in the ranking with the Contribution "Managed". The minimum accommodation amount is 10,000 rubles, 300 US dollars / euro, period - 180, 270, 365, 540 or 730 days. Percentages are charged monthly and at the request of the client can be added to the deposit amount or listed on the account. It is possible to replenish the contribution of from 5,000 rubles, 150 US dollars / euro no later than 30 days before the expiration of the contract. It is allowed to remove funds within the abnormal residue, which is determined by the client.
The interest rate depends on the term, amounts and is 0.5-1.75 percent per annum in US dollars. In case of early termination of the Agreement, interest are accrued at the request "to demand".

Bank of Moscow

The contribution "Maximum Growth" from the Bank of Moscow with a growing interest rate is in the fourth place in the ranking. The minimum amount of accommodation is 1000 rubles, 100 US / euro dollars, the period is selected individually ranging from 91 to 1095 days. Interest are charged monthly and capitalized or listed to another account. Additional contributions are accepted without restrictions, and the removal of funds may be once to the amount of the abnormal residue and not earlier than 180 days after the discovery of the contribution.

The interest rate depends on the term, the deposit amount is 0.5-1.7 percent per annum. When switching to the next summion range, the rate increases. After 181 days of the actual location of the contribution in the bank there are preferential conditions for early termination.

Deposits worth more than 700,000 rubles

In the first place in the ranking is Promsvyazbank with the contribution of "My Features", on the second - Uralsib with the Business Class program, and the third place was taken by Rosselkhozbank. We have already considered the program-leaders' programs, so we will make an analysis of programs that occupy the following positions.

Sberbank

The minimum amount of the placement of funds under the program "Manage" is 30,000 rubles, 1000 US dollars / euro, the term is determined individually within 3 months to 3 years. It is possible to replenish the deposit in cash in the amount of 1000 rubles, 100 US dollars / euro, and non-cash replenishment is not limited. Remove funds are allowed as part of an unsigned residue.

Percentages are charged monthly and at the request of the client are capitalized or transferred to the depositor. The rate depends on the term, the deposit amount is 0.6-1.85 percent per annum. When switching to the following summion gradation, the rate increases. In case of early termination of the contract for a period of up to six months, interest is charged at the request "to demand", then - 2/3 of the actual rate.

VTB 24

The bank offers a deposit "Active". The minimum amount of the first contribution is 15,000 rubles, 3000 US dollars / euro, period - from six months to 3 years. Additional contributions are taken in the amount of 10,000 rubles, 500 US dollars / euro. It is allowed to remove funds within the abnormal residue.

Interest is charged monthly and paid to the account or capitalized at the request of the investor. The rate depends on the abnormal residue, the period is 0.85-1.7 percent of annual. In case of early termination of the deposit for a period of up to 181 days, interest is charged at the request "to demand", then 0.6 bets acting at the time of opening the contribution are paid.