Maximum return on deposits. Top banks in terms of deposits in Russia. Refillable and non-refillable deposits
All banks are interested in attracting as much as possible to their accounts money depositors. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and think over the further possibilities of using the deposit.
In this article:
Choosing a deposit correctly
With all the differences, deposits can be conditionally divided into three groups, depending on the capabilities of account management: profitable (without the possibility of replenishing and withdrawing money), replenishing and with the ability to use funds.
Choose the most high percent easy, but what to do if money is urgently needed? Here come to the rescue accumulative programs with the right to partial / full withdrawal of money. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.
In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “profitable” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract, without the ability to manage and early use of funds. Standard deposits have the highest yield, depending on the amount of the deposit and the terms of the investment.
The conditions for making deposits in various banks are relatively equal:
- You need to choose a specific offer.
- Deposit an amount not lower than the specified minimum.
- Submit an identity document.
Below are the most profitable deposits in Moscow banks, depending on their capabilities.
Income deposits
- Bank of Moscow "Correct answer"
Interest rates up to 11% in rubles.
Contribution - from 100 thousand rubles.
- BinBank
Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.
- PromSvyaz bank "My benefit"
Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.
- Alfa Bank
Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles., $ 500 and € 500.
- UniCredit Bank
Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, $ 1,500 and € 1,500.
- VTB 24 "Profitable"
Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles., 3000 $ and 3000 €.
Deposit calculator
Deposit amount
Interest rate (%)
Deposit term (months)
Monthly interest
Reinvested withdrawn
- Gazprombank "Perspective"
Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.
Replenishing deposits
- Bank Trust "Accumulative"
Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, $ 500 and € 500.
- PromSvyaz Bank "Maximum Opportunities"
Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.
- Gazprombank "Accumulative"
Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles., $ 500 and € 500.
- VTB 24 "Accumulative"
Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.
- RaiffeisenBank "Personal Choice"
Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.
- Sberbank "Top up"
Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.
Early withdrawal deposits
- Bank Trust "All Inclusive" with the possibility of replenishing the account
Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles., $ 500 and € 500.
- Gazprombank. Product "Dynamic" It has additional opportunity replenishment of deposits.
Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.
- Rosbank "Optimal"
Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles., 2000 $ and 2000 €.
- UniCredit Bank. Deposit "Universal" allows you to replenish your account.
Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.
- Sberbank "Manage"
Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, 1000 $ and 1000 €.
Reliable banks with high interest on deposits. Glad to see you again! A new book by King came out the other day, so I, as an avid reader, went to the store for a novelty.
Already when I approached the checkout, it turned out that the device did not want to punch through the coloring of one married couple.
While I was waiting for my turn to come, I witnessed the conversation of this couple.
The man intended to invest in a bank, but could not choose which one.
My wife could not advise anything decent, so I could not resist and got into the conversation.
Deposits at high interest rates - in which banks interest rates are higher?
Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete.
It is also important to take into account such a factor as risk. As known, state system deposit insurance guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.
Warning!
Most reliable bank Is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business.
It is no wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.
Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.
Private banks from the Top 50 are the choice of people who, to a greater extent trusting private capital, prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).
Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors by the beginning of a new one, in December 2016.
Sberbank
Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank now offers the following deposits:
- 8 time deposits in rubles, dollars or euros (from 2.3% for the "Savings account" to 6.49% for the "Save" deposit in rubles);
- for wealthy clients who prefer other currencies - deposit "International" (in british pounds, Swiss francs and Japanese yen - at 0.01% per annum);
- 3 contributions for the owners of the Sberbank First and Sberbank Premier service packages - "Save special", "Replenish special" and "Manage special" with higher rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
- 3 online deposits in rubles, dollars or euros (rates are higher than for time deposits, by an average of 0.1%);
- 3 pension deposits.
Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.
You can choose between replenishing and non-replenishing deposits, with a different scheme of interest payment (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is "within the leverage" of any person.
VTB 24
This bank offers 10 deposits on various terms (we can say that they are about the same with VTB 24 as with Sberbank):
- 3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
- 3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
- 3 deposits on special terms for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
- 1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.
Gazprombank
This bank has only 7 deposits: 1 investment, including with investments in mutual funds (up to 9.70%), 5 savings deposits for various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).
There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.
Rosselkhozbank
Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).
Attention!
The rest of the deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.
Interest rates here are noticeably higher compared to the banks described above, but the conditions for placement are also somewhat stricter (interest at the end of the term, replenishment is impossible, etc.).
VTB Bank of Moscow
The new "Seasonal" deposit, which can be opened before January 31, 2017 for 400 days, implies 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.
The bank also offers 3 basic term deposits: “ Maximum income”,“ Maximum growth ”,“ Maximum comfort ”with rates up to 8.46% on ruble accounts, up to 1.61% on dollar accounts and 0.01% on euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings account in rubles (up to 5%) and special offers for privileged clients.
We can say that deposits in this bank are beneficial primarily to a client with a large amount or who wants flexibility in replenishment / withdrawal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to the ruble rates and 0.1% to foreign exchange rates.
Russian standard
This bank offers 4 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.
Advice!
Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.
Home Credit
Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened at russian rubles (up to 9.34% per annum).
Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.
TRUST
This bank has a line of 10 deposits in rubles / dollars / euros, including a multicurrency one. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and replenishment / withdrawal.
MTS-Bank
The best bank deposits in 2017: conditions and interest rates The former MBRD offers 9 deposits in rubles / dollars / euros, including multicurrency and pension. Rates in rubles from this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.
An additional 0.30% to the base rate can be received by clients opening a deposit in the Internet bank, as well as salary clients, up to 0.40% to the rate - with a deposit amount of 4 million rubles or more.
Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit).
But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your contribution not only profitable, but also convenient in terms of using money.
source: http: //site/www.vkladvbanke.ru
The issue of preserving and increasing money is always relevant. One of the smartest and safest options is opening a bank deposit.
Warning!
Which bank and deposit to choose for the maximum profitable investment funds in 2017? What criteria, besides the interest rate, are important?
We offer an up-to-date overview of the best conditions for deposits in Russian banks.
What is the best deposit to open?
To begin with, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:
- Rising inflation and devaluation of the ruble.
- Decrease in the growth rate of household deposits.
- Competition between banks for depositors.
- Change in the key rate by the Central Bank of the Russian Federation
- Outflow foreign investment and blockade debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
- Changes in legislation (until December 31, 2015 there was a privilege: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount insurance compensation on deposits from 700,000 rubles. up to 1,400,000 rubles).
Information for reference
The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take funds from them for safekeeping.
Attention!
Is the main indicator monetary policy... Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and remains unchanged until December 11, 2015. This is the fifth reduction in the key rate since December 16, 2014, when it was set at 17%.
Some confusion is introduced by the concept of "refinancing rate", which is also used when lending to private financial institutions, but since the introduction of the key rate, that is, from September 13, 2013, it has been of a secondary and reference nature, and since January 1, 2016 it is equal to the key rate, as stated in the document “On the system of interest rate instruments of monetary policy Bank of Russia ".
In addition to the above, it should be noted such monitoring tool of the Central Bank of the Russian Federation as “The maximum interest rate of ten credit institutions attracting the largest volume of deposits individuals», Which shows the average maximum interest on a deposit among the TOP-10 banks in terms of the volume of attracting deposits in Russian rubles.
Today, the Bank of Russia forms the “big ten” of the following banks:
- Sberbank of Russia;
- "VTB 24";
- "Bank of Moscow";
- Raiffeisenbank;
- Gazprombank;
- B&N Bank;
- "Alfa Bank";
- Bank FC Otkritie;
- Promsvyazbank;
- Rosselkhozbank.
This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on the official websites.
In the third decade of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions attracting the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.
Advice!
In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.
What else is useful to know about the average maximum bid? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended all private banks to exceed the indicator established during the monitoring by more than 2 percentage points (percent), since December 22, 2014 - by 3.5%, since July 1, 2015 it has allowed any increase in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).
Banks' fees for increased risk are set as follows:
- if the value of the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
- if the level of the interest rate on the deposit does not exceed the maximum rate by 2-3%, the credit institution is charged a fee at an additional rate of 0.12%;
- if the bank overestimates the level of the lending rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.
What conclusion should ordinary investors draw from this information? If the level of profitability of a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore a private bank pays contributions to the DIA at an increased rate.
For ease of understanding, we will give an example from the previous methodology of the Bank of Russia:
- The current average maximum rate on deposits is 9.93%.
- The maximum recommended excess of the rate level is 3.5%.
- The maximum acceptable (with a marginal level of risk) deposit rate is (9.93% + 3.5%) \u003d 13.43%.
So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can deal either with an unstable credit institution or conducting risky transactions.
For the sake of fairness, we note that at the moment all deposits in one bank up to RUB 1,400,000 are “under the protection” of the Deposit Insurance Agency (DIA), so the risk is assumed to a greater extent by the banking system than by the depositors.
But there is little pleasant in the thought that you may run into a bank that has had its license taken away or that has started bankruptcy proceedings. On an annualized basis, inflation in 2015 is at the level of 16%, but there are all preconditions for its significant slowdown in 2016–2017.
Looking at the dynamics of the decrease in the key and average maximum rates on deposits, it can be assumed that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.
Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.
In the winter, the market is revived with special seasonal products. Despite the fact that the number of interesting offers on deposits is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find best contribution in rubles or in foreign currency, then this review will help you.
Ruble or foreign currency deposit?
The income and consumption of the overwhelming majority of Russians is ruble-oriented. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, interest rates on ruble deposits may rise, and it is advisable not to miss such a moment.
Warning!
Despite the fact that Russians traditionally consider the currency as a more stable option for saving funds, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the rates of the euro and the dollar are extremely high and the ruble has already managed to more or less stabilize.
If in the short term there is a significant strengthening of the ruble (which is possible with the weakening of sanctions or an increase in oil prices), then the foreign exchange contribution will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.
If you are not one of such people, then the contribution in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the overwhelming majority of Russians are focused on rubles, which means that they need to be saved.
Time deposit or on demand?
All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the investor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (profit from such a deposit will not even cover monthly inflation).
Term deposits are placed for a certain period, before the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is more often placed for a year, less often for several months.
Deposits with the longest storage period are sometimes provided with the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.
Refillable or non-refillable deposit?
Deposits are classified depending on the degree of the depositor's control over the invested funds. When opening a non-refillable deposit, any replenishment or withdrawal operations are prohibited - banks offer the most profitable terms placement of funds.
The replenished deposits allow you to add money to the account during the validity of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer top-up deposits that allow the customer to make spending and receipt transactions... As already said, better conditions provided for non-refillable deposits.
The best deposits in rubles
At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is decreasing. Recall that in December 2016, the Bank of Russia sharply increased key rate up to 17%, thereby causing an increase in interest rates on deposits up to 21-22%.
Throughout the year, the indicator has been decreasing: already in June 2016, the average rate on ruble deposits was 14-15%. Now the maximum yield is at the level of 12-13%.
Experts' forecasts are rather ambiguous: the majority expect a further decrease, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.
"Moscow Credit Bank"Provides deposits with a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa-Bank - up to 10%, Raiffeisenbank - up to 10%, Sberbank - up to 8.1%. As we can see, than larger bank, the lower interest rates on deposits he is ready to offer.
The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.
The best deposits in euros
The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on deposits in euros is about 2.5-3%.
Attention!
Leading banks with high interest rates foreign currency depositsAgain, they are not encouraging: the average annual percentage is about 1.5–2.5%. For example, an option for a deposit in euros can be found in UniCredit Bank.
It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank Saint Petersburg you can count on a 2.8% rate when you open an on-line deposit for a period of 5 years in the amount of 50,000 euros or more. Interest is paid at the end of the deposit term.
Credit Bank of Moscow offers deposits from 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.
The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about the reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive terms for deposits.
In the current economic situation, of course, it is more appropriate to focus primarily on the bank's reliability. This will also serve to improve the banking sector: ineffective banks will be automatically ousted from the market. However, one should not unequivocally neglect the huge potential of the regions.
Among the regional banks there are quite solid ones with branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.
The best deposits in dollars
The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered here. With UniCredit Bank you can place a deposit of $ 20,000 or more.
Advice!
USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of B&N Bank: by placing an amount of $ 25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).
The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with this interest if he has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer annual rate within 2.8-3.5%.
source: http: //site/www.kp.ru
How to choose a reliable bank to open a deposit?
I think many of you ask yourself the question: "How to choose a reliable bank" when planning to open a bank account, get a loan or mortgage.
The interest in this topic is simply explained: firstly, this is another small step towards mastering the basics financial literacy... Remember, we talked about this in the article "Economics and financial literacy need to be learned"?
Secondly, this is the first small step on the path of practical application of the knowledge gained, to which I was prompted by a far from new and not at all original idea: “money should work”.
Warning!
How to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?
I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with that type of investment, which, in fact, is not an investment, but rather a way of accumulating funds - bank deposits.
How to choose a bank for a deposit
Why did I decide to start with this ancient and popular product? Because in our daily life we \u200b\u200bmost often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".
We don’t feel stressed when we donate our money to the bank. And we are not afraid to lose our money, because, you see, the risk is minimal here.
And this does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, Pamm accounts, investments in stock market, in works of art, antiques, precious metals.
But we do not always know how efficiently our money can work in different banks. Different deposits on different terms and in different banks can bring completely different income.
Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in which currency to open a deposit and at what percentage.
There are many questions, let's go in order
The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was exacerbated by the recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.
And yet we still, and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.
To save or not to save?
The accumulation of money in itself, as a process, I think, for the majority is a boring and monotonous occupation. You have to be a real Plyushkin to save money for the sake of money.
But if the fulfillment of what has been desired for a long time looms ahead, it is a completely different matter.
Attention!
What exactly do you want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? This truly motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.
Goals will be achieved if they are set clearly and specifically. Believe it or not, this has happened to me more than once.
Bank deposits (deposits)
So the goals are defined. And we return to our deposits again. To make it clearer, let's figure out the terms first.
What are deposits?
Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and on certain terms and conditions in order to preserve them and generate income.
These are the client's funds, which are subject to mandatory return upon the expiration of the contract or at the first request of the client. But at the time of placement on the deposit, they are controlled by the bank.
This is a very popular banking product that emerged almost at the same time as banking system... Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.
What are the deposits?
In fact, there are a lot of types of deposits that are offered by banks, each of which has its own characteristics, pros or cons.
But basically, deposits are divided into three main groups, depending on:
- from the term of the deposit - demand deposits and time deposits
- from the possibility of replenishment - rechargeable and non-rechargeable
- from the type of deposit currency - deposits in rubles, foreign currency or multicurrency deposits.
From the term of placing money in the bank
What is the difference between term deposits and demand deposits? On term deposits that are placed for a certain period (from 1 month to several years), interest is paid upon the expiration of the agreed period.
If the client collects his money before the end of the term, stipulated by the contract, then the bank can return in full only the initial amount of the deposit, while the interest on the deposit can be accrued in part.
Some banks, upon early termination of the agreement, can return the fully accrued interest, but usually low interest rates on such deposits.
Advice!
On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and the interest rates on them are much lower than on time deposits.
Refillable and non-refillable deposits
Everything is clear here. If the deposit is replenished, then this means that additional amounts can be made to the deposit account, which will increase total amount contribution and, accordingly, income on it.
If the deposit is non-refillable, the initial deposit amount cannot be increased, and interest will be charged only on it.
In what currency to open a deposit?
In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.
Feature of multicurrency deposits: one account can be placed in different currencies several amounts, for each of which its own percentage will be charged.
It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.
How to choose the most profitable investment?
What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary reward that the client receives for lending his funds to the bank for use).
Interest on bank deposits
First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (urgent or "on demand" ), capitalization and some other factors, which we will talk about later.
Warning!
Let's make a reservation right away that very high interest rates on deposits are not always a sign of a good bank.
Usually, after the conclusion of the agreement, the bank cannot unilaterally change the value of the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).
How is interest calculated on deposits?
- The first option: at the end of the term of the deposit, interest is charged on the original amount.
- Second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, interest is transferred to plastic card or another account.
- The third option: capitalization of interest on the deposit.
This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be charged on a larger amount.
This method of paying interest is sometimes called "compound interest" and can be made once a month, once a quarter, once a year, or in connection with the expiration of the contract.
Attention!
As already noted, deposits with capitalization usually have a lower interest rate, but the income may be higher.
And a few more concepts that need to be understood when referring to bank deposits.
Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placing a deposit on new term without the participation of the client.
If there is no prolongation, the funds (principal plus accrued interest) will be transferred to the client's account, and no interest will be charged from that moment.
In order to resume their accrual, you need to come to the bank and open a new account. True, you need to take into account that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.
To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.
Profitable deposits in 2017
So, we found out what deposits are, how interest is calculated and what are the conditions for various deposits. And also figured out that the interest rate, which fluctuates mainly from 3 to 10 percent, depends on many factors.
Banks rating
The goal that you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).
Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, reliability are important.
You can often find good offers in banks for pensioners with a higher interest rate. There are some good special offers or seasonal promotions that banks arrange for a short period of time.
Advice!
For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit with a lower interest rate.
But in general, such a way of investing, which includes bank deposits, today is not the most profitable option... The size of the rates has been significantly reduced compared to what it was for a couple of years. And to find, for example, a deposit at 10% per annum, you need to try very hard.
And you need to understand that there is such a rule: how more bank offers opportunities for a deposit (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.
Where and how to find information about banks?
There are a lot of banks that offer us their services in our country. And sometimes the quest suitable bank can stretch for a long time. I hope these simple tips will help you navigate this issue.
One of the ways to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly made by such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.
Large international agencies (Fitch, Moody's and S&P) work only with the largest russian banks, and medium-sized banks do not fall into their field of vision.
You can also draw certain conclusions by reviewing the bank's credit reporting, which is published on the Central Bank website or on the Bank of Russia website. But to understand these reports, perhaps, only a specialist can do it. We, ordinary customers, can try our luck on the Banki.ru portal, where information is presented in a more accessible form, which can be understood even by a non-professional.
Warning!
The reliability of the bank is determined by its financial performance... For analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current month.
A sign of the bank's reliability and stability is large assets at the current moment and their increase in comparison with previous periods. The amount of its own funds (authorized capital) also testifies to the reliability of the bank.
According to the information agency Finmarket, as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank , Bank Vozrozhdenie, KB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MInB, Credit Bank of Moscow, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia ”, Sberbank RF, Svyaz-Bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HCF-Bank, UniCreditBank.
The need to assess the reliability of the bank based on the analysis of financial statements, paying attention to criteria such as deterioration or violation of the standards mandatory for a banking organization (which may lead to the revocation of the license), unpaid own payments and difficulties encountered in paying off their own debts, high cash turnover, which is significant exceed the bank's assets and do not have an economic justification, for significant investments in mutual funds and shares (this may serve as a signal that the bank will have big problems in the near future), for any sharp decrease in balance sheet indicators without justified explanations.
Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which at least partially will help reduce the level of risks.
2. By the size of the bank. For large federal and regional banks, the expression “Too big to fail” is almost 100 percent applicable. Information about their assets, which testifies to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.
3. Bad news about the bankto whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.
4. The drop in ratings which can be downgraded by rating agencies. It is also alarming that there is no rating for credit institutions (which may indicate the bank's reluctance to provide information to rating agencies, trying to hide something negative).
5. On high rates on deposits. Overpriced rates, which are significantly higher than the average level, or their sharp increase may be an indication that the bank does not have enough of its own funds. And, trying to attract more customers through more profitable, at first glance, offers, the credit institution is trying to pay off its debts. This could be an indication of an increased risk.
How to understand if this rate is too high or not? In this case, you can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutionswhich attract the largest volume of retail deposits published by the Central Bank. In March, the maximum rate on deposits was 8.35%.
6. To change the work schedule. Reduction of the bank's working time (decrease in the number of working days and the period of work during the day), reduction of personnel - all this can serve as indirect signs of problems that have arisen in the bank.
7. For the problems that have arisenwhen conducting monetary transactions (for example, delays in withdrawing cash, closing deposits, quality of service), as well as massive closing of accounts by bank clients. You can find out about this from reviews on various forums.
Deposit insurance - additional security measures
What will happen to our deposit if, nevertheless, we made a mistake, and our bank went bankrupt or its license was taken away?
This question worries all investors. In the case of bank deposits, you should not be afraid for your savings if they do not exceed the amount of 700,000 rubles.
Since October 1, 2008, the system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for clients. If such a nuisance occurs, and your bank is closed, within 14 days after the occurrence insured event you will be refunded the amount of the deposit.
Deposit insurance system
In one bank maximum amount compensation will be 700,000 rubles for all deposits. This point is worth paying special attention to.
That is, if you have several accounts opened in one bank for a total amount, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.
For example, putting in two banks 500,000 rubles each, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.
But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.
A government bill on increasing deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).
So how do you choose a reliable bank?
Before entrusting your money to this or that bank, be sure to check the bank's affiliation to russian system deposit insurance. It is easy to do this: you can now find information on any bank on the Internet.
Warning!
First, select all banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.
From this list, choose the deposits with the highest interest rates, having previously made comparative analysis by profitability in different banks. The more you study the offers on deposits and deposits, the more chances you have to find the best option.
Find out if the bank provides fees and commissions for any additional services (for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of premature termination of the contract.
Read the contract carefully! The optimal solution, in my opinion, is the bank's reliability and a relatively high interest rate. But at the same time, do not forget that sometimes behind an excessively high rate there are big problems of the bank, which it is trying to solve at our expense.
A sensible approach, careful analysis and deliberate decision-making will allow you to make right choice... But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.
Each person is saving money for different purposes. However, many do not realize that keeping your savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.
Today this product is a versatile investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, in most organizations there are no restrictions on minimum contributions, and if they are, then they are small.
The contract itself is very important, therefore, before signing it, you need to familiarize yourself with the text personally. To do this, ask the bank employees for a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe conditions that are unfavorable for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through a compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect that we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for an early withdrawal, however, with a high probability, the bank will refuse to pay the accrued interest. Wherein given view the deposit is divided into savings and savings, which is provided for periodic replenishment (people call it a "piggy bank").
The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are not interested in potential profit.
Online Assistant
On the site you will find products that are currently on the market. Here you can find reliable information that our specialists check and update on a daily basis. By comparing services according to their main parameters - and this is the interest rate, the cost of opening and the commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, which has been successfully operating for over ten years. All offers displayed on this page are the best or profitable exclusively in the opinion of Banki.ru experts.
The largest deposit rates in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum interest rate for today, in 2020.
A bank deposit for individuals today is one of the most affordable 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 of the deposits, which are issued at maximum interest rates, have common features. They cannot be replenished, and partial withdrawals without loss of interest are also prohibited. The only exceptions are short-term deposits for a period of 1-3 months. But they, in general, are not time 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 in Russian banks from the top 10 today, as well as their decoding by maturity:
- 1 month;
- 3 months;
- 6 months (six months);
- 1 year (12 months).
Deposits with the highest interest rates for today
Thinking where to invest money in 2020 so that it works, many wonder: which bank is the most large percentage on deposits. But when opening a deposit account with a bank, you should pay attention not only to the interest, but also to the conditions of this deposit, such as the minimum amount and term.
Deposit calculator
Deposits at maximum interest in top-10 banks
"Profitable approach"
ICD
| 7,3%
rate | from 50,000 sum | 375 days term |
For those who open IIS
No replenishment
Without partial removal
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 NSJ
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3000 | 31 days - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100,000 | 122 - 731 days |
Replenishment
Without 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 |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For saving"
Gazprombank
up to 5% | from 15,000 | 3 months - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Growth time"
VTB Bank
up to 5.0% | from 30,000 | 180 - 380 days |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Victory +"
up to 4.92% | from 10 000 | 92 days. - 3 g. |
No replenishment
Without partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1,000 | 1 month - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Deposits at a maximum interest rate for 1 month
Deposits with a maximum interest rate for 3 months
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% | Credit Bank of Moscow "All inclusive Maximum income" |
| 4,82% | "Victory + Premium" |
| 4,51% | VTB "Piggy bank" |
| 3,96% | "Save" |
| 3,81% | UniCredit Bank "First class" |
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 for?
According to russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In case of revocation of a license from such a bank, the Deposit Insurance Agency through agent banks fulfills obligations to its depositors within set limit... This is the meaning of guaranteeing 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 interest on bank deposits - if the license is revoked, of course, you have to get nervous, but the money will still be returned.
Refunds in excess of the specified amount are not guaranteed, therefore, if you keep more than 1,400,000 rubles in the bank, then you are assuming an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data are presented for informational purposes only, they are not a public offer.
When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with the highest deposit rates, depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used in order to exclude proposals from companies that may be in an unstable financial position.
Standard deposits
Standard deposits mean deposits for a certain period that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates for such deposits are the highest. The top ten leaders with the best deals look like this:
Deposits with additional opportunities
Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.
Replenishing deposits
TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:
- RosEuro Bank - 8.5%. Banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. Monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
- Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
- TransCapital Bank - 8.5%.Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the ability to replenish the account at any convenient time. The minimum opening limit is 10 thousand rubles. Interest is paid every 400 days.
- Orient Express Bank - 8.3%.Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
- The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
- Globex - 8.25%.The "Optimal" product guarantees the multiplication of funds in the specified amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
- AK Bars - 8.25%.A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
- BinBank - 8.2%.The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. Capitalization of interest is in effect, as well as the possibility of replenishing the deposit for any amount.
- Moscow Regional Bank - 8%.A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Account top-up is possible in the first 183 days.
- Credit Bank of Moscow - 7.75%.Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.
Partial withdrawal deposits
The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:
- Tinkoff - 8.5%.Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
- Novikobank - 8.5%.Novikobank offers a program with fixed periods of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than RUB 1.4 million. Interest is paid every 184 days.
- National Bank Trust - 8.25%.At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The deadlines are fixed - 91, 181 and 367 days.
- AK Bars - 8.25%.The bank has rather strict requirements regarding minimum size deposit - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
- Globex - 8.15%.The Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that minimum amount, individually indicated in the deposit agreement.
- Orient Express Bank - 8.02%.The "Practical" product allows you to withdraw money without losing interest. Amount down payment - from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
- Absolut Bank - 8%.Absolut Bank offers special program for persons of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum amount of the deposit is maintained.
- Ugra - 7.89%.Banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish a deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second - 5.5% per annum. Interest can be withdrawn at the end of each period.
- Promsvyazbank - 7.5%.The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, keeping the set initial limit. Automatic extension of the contract is possible.
- Credit Moscow Bank - 7.25%.The "Settlement" tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. Top-ups can be up to 20 thousand rubles. In case of partial withdrawal of funds, the initial amount must remain on the account.
Opening a deposit
When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online application submission.
Often, for opening a deposit account online, a client can even receive a premium to the stated rate.
Of the documents, only a passport is required. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.
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