Place a deposit in the bank at a high interest rate. Bank deposits. BBR Bank launched deposit "2020"

Deposits under high percent in Moscow, only a few banks offer. Some make such an offer so that new customers appear, others - to maintain their positive reputation. Most huge contribution-. But this can only happen when several conditions are met:

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

High interest rates are possible within the framework. They also get the maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

With a high percentage, citizens can open both at the place of registration and residence. This requires only a passport. There are those who cooperate with young people from 14 years old. Suggestions for individuals differ:

• minimum amounts.

The most high stakes on deposits in Moscow are offered by institutions that have high indicators of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find high-interest bank deposits in 2020. For convenience, we offer a comparative table with up-to-date information and to calculate the possible profit. The data is regularly updated, so our users receive the latest information. If necessary, you can choose the most convenient currency for calculations.

Each person accumulates 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. Moreover, 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 the program compulsory insurance... Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. 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 early withdrawal, however, it is highly likely that 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 point 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 for whom the fact of reliability is enough, 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.

It is formed on the basis of the total amount of incoming funds. If you are looking for financial institution with high rates, thanks to the ranking, you can choose the one that suits you. Based on the information provided, you will be able to find the best offers in terms of profitability and interest rates.

Features of the formation of the rating of Russian banks by deposits

Russia on deposits is formed according to the data of the Central Bank of the Russian Federation. The analysis also takes place according to other indicators:

• Positions in the rating compiled by independent agencies.
• The opinion of customers who have already performed transactions in this bank.
• Positions in the rating compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size equity capital institutions. The more funds, the less likely it will be declared insolvent.

Rating of banks in Russia by retail deposits in 2020

In 2020, the top best banks in Russia in terms of deposits did not change much. The higher the place in the list, the more confidence in this financial institution. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top of the best banks can vary depending on different indicators. Therefore, we regularly update information, offering clients only advantageous offers.

The rating of banks by today is formed according to the reporting provided by financial institutions... All companies included in the list are presented in our consolidated rating... Additionally, reliability can be assessed not only by bank deposits, but also other indicators.

If we consider ranking by interest rates, the list may be different. When choosing, pay attention to the rating for the full value of deposits. It includes copayments, bonuses and other gifts for depositors.

A deposit in a bank was and remains the simplest and most reliable way to get additional profit from available funds without burdening yourself additional work... For residents of Moscow, deposits in banks are especially relevant: having the opportunity to postpone more money, they can expect a higher percentage and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

Today, everything is simple about security: the state deposit insurance system protects depositors from losing money due to bank ruin or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose a program with the best deposit conditions - and open an account. At the beginning of 2017, it is possible to resume lowering interest rates, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring highest interest? Where will it be most profitable to invest money in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank among depositors in Moscow. But not really - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we are considering in this review. Sberbank offers its customers 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Replenish" deposits are quite convenient for the bank's clients. There are no strict limits on the amount and term: the client can independently choose any period (from 1 month) and even deposit the minimum amount (from 1000 rubles). On the part of deposits, interest is capitalized, and the rate rises as the amount on the account increases. When opening deposits online bet higher by an average of 0.4%.

VTB 24

Among the banks that offer deposits, it is distinguished by the fact that it offers its customers ample opportunities to generate additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Profitable". Maximum income possible on the "Profitable" deposit. With an investment amount of 200 thousand rubles and more and a shelf life of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles, the maximum effective rate will amount to 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet Bank, the interest will be higher.

Alfa Bank

At the moment, it offers its clients not only loan products, but also a number of deposit programs. The smallest percentage for income (non-accumulative) deposits is 7.10% (deposit "Potential +"), the largest - for deposits "Pobeda +" (8.34%) and "Premium +" (7.60%) with a deposit amount of 10 000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank is 0.05% of the deposit amount to the charitable fund for saving sick children. Life line ".

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most profitable proposition valid until January 31, 2017 on the "Seasonal" deposit - up to 10% per annum can be obtained by placing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days, no replenishment or partial withdrawal is provided. Also, under the Maximum Income program, you can get a high percentage of 8.46 %% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank increased rate- + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euro.

Home Credit Bank

Home Credit offers its depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The "Profitable Year" deposit is drawn up for a year, minimum size first installment - 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, a deposit "Capital" is opened for a period of 36 months, but without capitalization of interest. For all deposits, except for " Cabinet", minimum amount the first installment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its customers one type of deposit, formalized remotely, with interest rates up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). This percentage can be calculated with a balance of 50 thousand rubles and a shelf life of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

The possibility of replenishment (there are time limits) and partial withdrawal to the minimum balance is provided.

Russian standard

The maximum rate at Russian Standard Bank can be up to 10% for the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement upon registration on the bank's website or in the office - from 30,000 rubles, and upon opening in the Internet bank - from 10,000 rubles at the same rate. For the "Replenished" term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is it more profitable to keep money?

As you can see, deposits in Moscow banks are offered on different terms. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. Best interest for deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the possibility of making incoming and outgoing transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal funds, interest is also usually paid only at the end of the term, which is not always convenient for investors.

Updated in December 2016

A complete list of the banks' most relevant offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

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

Deposit rates in Moscow banks

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

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

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

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

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

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

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

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

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

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

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

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

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

1. Enter your deposit requirements.
2. Receive full list actual contributions in the banks of Moscow for today updated.

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