In which bank is better to discover the contribution. Reliable banks with a high percentage of deposits. How to choose the most profitable deposit

Each person saves money with different goals. However, many people do not understand that the storage of savings at home is not the best solution. Instead of bringing income to your 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 to preserve finance, but also to increase them in accordance with the Treaty.

To date, this product is a universal tool for attachment. Unlike stock market or precious metalsYou do not need special knowledge or permanent analysis of the economic situation. You just find a suitable offer and sign an agreement. At the same time, most organizations do not have any restrictions on minimal contributions, and if they are, then small.

The contract itself is very important, so before its signing you need to familiarize yourself with the text personally. To do this, ask for the Bank's employees to give a sample in print or electronic form and carefully read all items, especially written in small font and marked with an asterisk. With the help of such tricks, unscrupulous organizations are trying to mislead the potential client and register the conditions unfavorable for it.

Description of important points

The main plus service, in addition to stable income, is reliability. Consumer accounts protect the state at the legislative level through the program mandatory insurance. Therefore, in the event of liquidation or license revocation you will be made compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limitation and place it in several organizations, eliminating various risks.

The next aspect that we will consider are the types of accounts. The first one is urgent. In this case, you put the funds for a certain time interval. Of course, you are entitled to apply for early withdrawal, however, with a high probability, the Bank will refuse to pay accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (in the people it is called "piggy bank").

The second option - to demand - goes at a low rate. The thing is that organizations are unprofitable to keep finances, knowing that the owner has the right to demand them to return at any time. Such a product prefers the category of customers to whom quite the fact of reliability, and their potential profit is not interested.

Online assistant

On the site you will find relevant products in the market. It contains reliable information that our specialists are checked daily and updated. By comparing the services by their main parameters - and this is the interest rate, the cost of opening and commission, you can make a right decision, and the section of the ratings will help you in choosing an organization. The site is the largest financial supermarket of Runet, successfully functioning for more than ten years. All the proposals displayed on this page are the best or profitable exclusively according to experts bank.

Delobank - branch of SKB-Bank, working online. It offers business services. On how to open a settlement account in Delobank, we will tell in the article.

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Comprehensive inspection: who will be interested in your credit history

If the bank wants to know whether the future client is conscientious of debts, he makes a request to the Bureau credit stories. Who else has the opportunity to request ki and why do you need it, we will tell in the article.

• 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 ruler 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 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 for Belois with "Ekaterininsky" disagreed Supreme Court. 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 got cashian 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 put profitable termsAnd 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.

Reliable banks with a high percentage of deposits are glad to see you again! The other day the new King book was released, so I, like an avid reader, went to the store for a novelty.

Already when I approached the checkout, it turned out that the device does not want to punch the coloring of one married couple.

While I expected when my turn is suitable, I witnessed the conversation of this couple.

The man intended to invest money in the bank, but could not choose what.

The wife could not advise anything decent, so I could not resist and got into the conversation.

Deposits for a high percentage - in which banks interest rates are higher?

Perhaps everyone who thought about investing money is looking for a contribution to high percent. It was the interest rate on the deposit that is the first criterion for which deposits are compared with each other. However, such a comparison would be incomplete.

It is important to take into account even such a factor as a risk. As known, state system Deposit insurance guarantees each bank depositor - a member of this system the safety of savings in the amount of up to 1,400,000 rubles. However, this is what you need to remember the potential depositor.

A warning!

The most reliable bank is the bank not only large, but also the least risky. The least prone to risk credit institutions with the participation of the state - and our person is used to trusting a few more than private business.

No wonder that it is banks with states with states to lead ratings in all respects, including the amount of funds attracted to deposits. In addition, the leaders' banks are located wide (Gazprombank, VTB24) or very wide (Sberbank) network of offices throughout Russia - it is not surprising that they "win" also in accessibility for investors.

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 degree trusting private capital, prefer high income on deposits. The fact is that these banks vigorously give loans under not the most little percentageDue to which they can attract deposits under a high percentage (higher than competitors with stateship).

Among the most popular banks of this group, you can mention the Bank of Russian Standard, Bank NB Trust, Home Credit and MTS Bank (places from the 21st to 47th in the ranking of banks of the Russian Federation). Now consider what they offer to their depositors the banks mentioned above, by the beginning of the new, in December 2016.

Sberbank

Perhaps this is the first bank, which is thinking about the habit of almost every Russian. Now Sberbank offers the following deposits:

• 8 urgent contributions in rubles, dollars or euros (from 2.3% by "savings account" to 6.49% on the "Save" deposit in rubles);
• for wealthy customers who prefer other currencies - the contribution "International" (in british pounds, Swiss francs and Japanese yen - under 0.01% per annum);
• 3 deposits for owners of packages of services "Sberbank First" and "Sberbank Premier" - "Special Save", "special replenishment" and "special control" with increased 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 according to urgent deposits, on average by 0.1%);
• 3 pension deposits.

Thus, it is impossible to say that Sberbank attracts deposits under a high percentage, because the deposit rates at Sberbank are low. But the risks are low, the choice is wide, and the conditions are flexible.

It is possible to choose from the replenished and unpopulated deposits, with a different payment payment scheme (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) "on the shoulder" any person.

VTB 24

This bank offers 10 deposits on various conditions (it can be said that they have a VTB 24 approximately the same as Sberbank):

1. 3 deposits opened in the bank departments are comfortable, accumulative and profitable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet Bank - Comfortable-Online, Cumulative-online and profitable-online at rates from 0.01% to 7.90%.
3. 3 deposits on special conditions for the owners of the "Privilege" package with increased interest rates, which are calculated individually for each client.
4. 1 Accumulative contribution with flexible conditions under 0.01 - 8.50% in rubles.

Gazprombank

This bank has only 7 deposits: 1 investment, including with investments in mutual impacts (up to 9.70%), 5 cumulative contributions of various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euro (up to 0.05%).

There are also 2 ruble deposits for pensioners under 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as Sberbank and VTB 24 rates.

Rosselkhozbank

The wide range of deposits offers Rosselkhozbank. Almost all deposits can be remotely opened (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 remaining deposits are standard accumulative accounts, the maximum rate of which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

Interest rates here are noticeably higher compared to the above-described banks, but also the conditions of placement are somewhat tougher (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new contribution "Seasonal", which can be opened until January 31, 2017 for 400 days, assumes 4 percentage periods. The highest rate - under 10% per annum, can be obtained in the first period with a validity period of up to 100 days, the rate of 7.5% is valid during the remaining periods.

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 and 0.01% on euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a cumulative ruble account (up to 5%) and special offers For privileged customers.

It can be said that deposits in this bank are primarily beneficial to the client with a large amount or wishing flexibility in replenishment / removal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to ruble rates and 0.1% to currency.

Russian standard

This bank offers 4 deposits with the most different payment payment schemes: the depositor has from anything to choose from. Rates on deposits in rubles - from 7.00% ("convenient") to 9.75% per annum ("maximum income"), and in currency - up to 2.0% on dollar bills and up to 1.25% of accounts in Euro.

Tip!

Capitalization in most deposits is not offered, and conditions are not the most flexible - this is a logical "fee" of the depositor for high income.

Houm Credit

Home Credit offers several contributions: one opens only in the currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, the contribution to pensioners can be opened in russian rubles (up to 9.34% per annum).

Another contribution in rubles can be opened under 9.29% per annum, having a sum of 3 million rubles. There are options for capitalization, partial removal and replenishment for a certain amount. Thus, a home loan is a good choice for those who want a good income and places funds for a period of 12-36 months.

TRUST

This bank has a ruler of 10 deposits in rubles / dollars / euro, including multicurrency. 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 contribution to convenient conditions in terms of terms, interest payments and replenishment / removal.

MTS Bank

The best deposits in banks in 2017: Conditions and interest rates Former IBRD offers 9 deposits in rubles / dollars / euro, including multicurrency and pension. The rates in rubles in this bank lie in the range of 6.5 - 9.0%, and in the currency - from 0.01% to 1.0% per annum. You can choose a contribution with the most flexible conditions under a good percentage.

Additional 0.30% to the base rate can be obtained by clients opening contributions to the Internet bank, as well as salary customers, up to 0.40% of the rate - with the amount of deposit from 4 million rubles.

Thus, it is most profitable to put money on a deposit into 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 for a high percentage in Moscow issued, as a rule, banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit).

But at the same time, the conditions in terms of replenishment, early removal, etc. should be very closely examined to make their contribution not only for money, but also convenient in terms of money.

source: http: //sight/www.vkladvbanke.ru

The issue of preserving and multiplying money is always relevant. One of the most reasonable and safe options is the opening of a bank deposit.

A warning!

What bank and deposit to choose for maximum favorable attachment funds in 2017? What criteria, in addition to interest rates, are important?

We offer an urgent review of the best conditions on deposits in Russian banks.

What contribution is better to open?

First, let's try to spend a little educational program to figure out what the level of interest rates in banks depends on. We immediately note that several interrelated factors affect the inclusion of deposits:

• The growth of inflation and the devaluation of the ruble.
• Reducing the growth rates of population contributions.
• Competition between banks for depositors.
• Change key rates by the Central Bank of the Russian Federation
• Outflow foreign investment and blocade debt market, that is, the deficiency of liquidity and funding (attracting funds from organizations).
• Changes in legislation (before December 31, 2015. Intended by a benefit: percentage of NDFLs on ruble deposits of citizens, placed at a rate of up to 18.25% per annum; there was an increase in the amount of insurance compensation on deposits from 700,000 rubles. Up to 1,400,000 rubles. ).

Information for reference

The key bet is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the percentage value under which the Central Bank of the Russian Federation credits private banks on a weekly basis and at the same time ready to be reserved cash They have.

Attention!

It is the main indicator monetary policy. Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and consistently valid until December 11, 2015. This is the fifth decline in the key rate from December 16, 2014, when it was installed at the level of 17%.

Some confused is the concept of "refinancing rate", which is also used in lending to private financial organizations, but since the introduction of a key rate, that is, from September 13, 2013, it is minor and reference, and from January 1, 2016 it equates to The key rate, as stated in the document "On the system of interest-to-mains of the Bank of Russia monetary policy".

In addition to the foregoing, it should be noted such a tool for monitoring the Central Bank of the Russian Federation as "the maximum interest rate of ten credit organizations attracting the greatest amount of deposits individuals", Which shows the average maximum percentage of the deposit among the top 10 banks in terms of contributing deposits in Russian rubles.

To date, the Bank of Russia forms a "big ten" of the following banks:

1. Sberbank of Russia;
2. "VTB 24";
3. "Bank of Moscow";
4. Raiffeisenbank;
5. Gazprombank;
6. "BINBANK";
7. "Alfa Bank";
8. "Bank FC Opening";
9. "Promsvyazbank";
10. Rosselkhozbank.

This monitoring is carried out by the Bank of Russia's bank supervision department using open information provided on official sites.

In the third decade of November 2016, according to the results of monitoring of maximum interest rates (on deposits in Russian rubles), ten credit institutions attracting the greatest amount of deposits of individuals, the average maximum contribution rate is 9.93%.

Tip!

In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as a medium polymetic amount of maximum banks that attract two thirds of the population.

What else is useful to know about the average maximum rate? Since October 2012, the Central Bank of the Russian Federation has not yet categorically recommended that all private banks exceed the indicator established during the monitoring for more than 2 percentage points (percentage), from December 22, 2014 - by 3.5%, from July 1, 2015, allowed any Increased in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).

Bank fee for increased risk is established as:

• if the amount of interest rate on the deposit is not overestimated relative to the average maximum, the bank produces deductions for the base rate - 0.1% of the mid-weld size of the deposit balance;
• if the level of interest rate on the deposit does not exceed the maximum rate by 2-3%, a fee is charged at an additional rate - 0.12%;
• if the bank overestims the level of credit rates by 3% or more of the average maximum, then it pays an increased extra bet - 0.25%.

What conclusion from this information should ordinary contributors do? If the level of deposit yield, according to the Central Bank of the Russian Federation, is too high, then such a contribution carries additional risks, therefore a private bank and pays contributions to the DCA at an elevated rate.

For ease of understanding, we give an example from the previous methodology of the Bank of Russia:

• The current average maximum deposit rate is 9.93%.
• The maximum recommended rates excess - 3.5%.
• Maximum acceptable (with a limiting level of risk) The contribution rate - (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 in the profitability of deposits over 13.7%, you can deal with either an unstable credit institution or leading risky operations.

For the sake of justice, we note that at the moment "under the protection" of the Insurance Agency of Deposits (DCA) are all deposits in one bank of up to 1,400,000 rubles, therefore the risk of a large extent takes on the banking system than depositors.

But there is little pleasant in thought that you may encounter a bank who have selected a license or which began a bankruptcy procedure. In annual terms, inflation in 2015 is at the level of 16%, but there are all prerequisites for its substantial slowdown in 2016-2017.

Looking at the dynamics of reduction in the key and average maximum bet on deposits, it can be assumed that if nothing extraordinary will occur, the key rate will continue to decline, and together with it, interest rates on deposits will decrease.

Therefore, it can be concluded that winter 2017 is the most favorable period for the opening of deposits under good interestwhich in the future can not be caught.

In winter, the market was revived thanks to special seasonal products. Despite the fact that the number of interesting proposals on deposits is not so great, there are still banks, ready to provide very attractive conditions. If you set out the purpose of finding the best contribution In rubles or in currency, this review will help you.

Ruble or currency contribution?

Revenues and consumption of the vast majority of Russians are oriented towards rubles. In this regard, ruble contribution seems to be the most reasonable decision. In addition, if the ruble will continue to weaken, the ruble deposits rates may grow, and it is desirable not to miss such a moment.

A warning!

Despite the fact that the Russians traditionally consider the currency more stable option to preserve funds, in the current unpredictable situation, it is quite dangerous to choose it, since at the moment the euro and dollar courses are extremely high and the ruble has already managed to more or less stabilize.

If in the short term there will be a significant strengthening of the ruble (which is possible in the weakening of sanctions or increase oil prices), then the currency contribution will lose all meaning for those who are used to spending money in rubles. As experts say, those who are really interested in currency have already managed to diversify their funds.

If you do not belong to the number of people, then the contribution to the currency should not be of particular interest for you. As mentioned above, the income and waste of the overwhelming number of Russians are oriented towards rubles, which means that they need to save them.

Urgent contribution or demand?

All deposits can be divided into urgent and demand. The latter allow you to return the invested funds at any time at the request of the depositor. Interest rates on such deposits are usually minimal - no more than 1% (profit from such a contribution will not cover even monthly inflation).

Urgent deposits are posted for a certain period, before the expiration of which the client should not claim its funds, otherwise, in most cases, he will lose its income. The urgent deposit is more often accommodated for a year, less often - for several months.

The contributions with the longest storage period are sometimes provided favorable betsBut not always. Because if you are looking for a better contribution, then boldly choose a urgent ruble deposit for 12 months.

Refilled or subfillable contribution?

Contributions are classified depending on the degree of control of the depositor over the invested means. When opening an expired deposit, any replenishment or removal operations are prohibited - banks offer the most favorable conditions for the placement of funds.

Refilled deposits allow you to report money to the account during the action of the contract, which is convenient for the systematic accumulation of a major amount of money. Some banks offer replenished deposits that allow the client to perform consumables and parcels. As already mentioned, the best conditions are provided according to the expired 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 reduced. Recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby providing an increase in deposits on deposits up to 21-22%.

Throughout the year, the indicator decreased: in June 2016, the average rate on ruble deposits was 14-15%. Now maximum yield Located at 12-13%.

Expert predictions are very ambiguous: most expect a further decrease, but there are optimistic forecasts about the possible growth of rates due to the weakening of the ruble. A good interest on deposits (11%) offers Russian Standard Bank with a period of 1 year, interest payments are made at the end of the contract.

The Moscow Credit Bank provides deposits from a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, "Promsvyazbank" - up to 11%, "Alpha Bank "- up to 10%," Raiffeisenbank "- up to 10%, Sberbank - up to 8.1%. As we see than baby BankMoreover, low interest rates on deposits, he is ready to offer.

The best conditions on deposits can be found in small private banks. But recommended special attention To turn to the conditions of early termination of the contribution contract, since in case of unforeseen circumstances, you risk will lose more (if not all) part of the interest on the deposit.

The best deposits in euros

The situation with foreign currency deposits is about the same as with ruble. The average deposit rate in the euro is about 2.5-3%.

Attention!

Leaders' banks with high rates on monetary depositsAgain, do not please: the average annual percentage is about 1.5-2.5%. For example, an embodiment in the euro can be found in UniCredit Bank.

It provides for accommodation for a year from 20,000 euros with a bid of 3%. In the bank "St. Petersburg" you can count on a 2.8% rate when opening an on-line deposit for a period of 5 years of 50,000 euros. The payment of interest is made at the end of the deposit period.

Moscow Credit Bank offers a contribution from 100 euros for a period of 1 year with a rate of 2.25%. Such giants like 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. First, due to doubt in reliability, secondly, due to the geographical location. In turn, the largest Russian banks are not ready to provide attractive deposit conditions.

In the current economic situation, of course, it is more appropriate to navigate first of all on the reliability of the bank. This will serve and rehabilitate the banking sector: ineffective banks will be automatically ousted from the market. However, it is not necessary to unambiguously neglect the enormous potential of the regions.

Among regional banks there are quite solid, having branches in many cities confidently holding their positions in the market. Before contacting one of the largest banks, specify the situation in your region.

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. In UniCredit Bank, you can post a deposit of $ 20,000.

Tip!

US for 1 year with a 4.65% rate and the ability to replenish. You can also pay attention to the deposits Binbank: placing the amount of $ 25,000 and more than 1 year, you can earn 3.7% per annum (payment of interest at the end of the deposit period).

The maximum rate on the deposits of St. Petersburg Bank is 3.9%. Open a contribution with such a percentage can any contributor if it has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer an annual rate within 2.8-3.5%.

source: http: //sight/www.kp.ru

How to choose a reliable bank for opening a contribution?

I think many of you ask yourself a question: "How to choose a reliable bank", planning to open an account in the bank, arrange a loan or mortgage.

Interest in this topic is explained simply: first, this is another little step towards mastering the basics financial literacy. Remember, we talked about this in the article "Savings and Financial Literacy Need to Learn"?

Secondly, this is the first small chamber on the path of practical application of the knowledge gained to which it was not new and not at all the original idea: "Money should work."

A warning!

And how to do it? Start investing (everyone is talking about this), to study stock markets, follow the economic situation, compare the proposals of various banks?

I agree, you need to invest. But for me now it is very difficult and not quite understandable, there is not enough experience and knowledge. Therefore, for a start, I decided to deal with the type of investment, which, in fact, is not an investment, but rather, the way the accumulation of funds - bank deposits.

How to choose a bank for deposit

Why did I decide to start with this ancient and popular product? Because in our daily life, we most often come across banks and bank deposits. Perhaps, almost every person has at least a small banking "ink".

We do not experience stress by giving our money to the bank. And we are not afraid to lose your money, because, you see, the risk here is minimal.

And there is no particular psychological training, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, PAMM accounts, investments in the stock market, in works of art, antiques, precious metals.

But we do not always know how effectively our money can work in different banks. Different deposits on different conditions and in different banks can bring a completely different income.

Let's try to deal together, what banks are the most reliable, what are the contributions and how to choose among them the most profitable, how to choose the bank for the deposit to get the highest possible income, in which currency to open the contribution and under what percentage.

There are many questions, let's go in order

The economic situation in our country is now difficult to call stable. The slowdown in the growth of our economy, which began in 2013, aggravated the recent events in Ukraine, the fluctuations of the ruble exchange rate, the closure of some banks. This created a certain voltage around bank deposits.

Nevertheless, we are still and in most cases in the desire to keep money "for a black day" or save some kind of money the amount of money is opening a deposit account in the bank.

Save or do not save?

The accumulation of money in itself, as a process, I think, for the majority - the occupation is boring and monotonous. It is necessary to be a real plush to save money for money.

But if there is ahead of the exercise of the long desired - another thing.

Attention!

What do you specifically want to achieve? Buy an apartment, accumulate on a comfortable old age, go around the world? This truly motivates and makes it makes something recently seemed something from the world of fiction and unrealistic desires.

The goals will be achieved if they are clear and specifically. Want to believe, you want no, but with me such things happened more than once.

Bank deposits (deposits)

So, goals are defined. And we come back to our deposits again. To be clearer, we'll figure it out for a start with terms.

What are deposits?

Deposits (sometimes they are called contributions) - this is a type of cumulative account, which for a certain period of time and at certain agreements are placed cash in order to preserve them and receive income.

These are the customer funds that are subject to mandatory return after the expiration of the contract or on the first request of the client. But at the time of placement on the deposit they are managed by the bank.

This is a very popular banking product that originated almost at one time with banking system. Each Russian can open an unlimited number of contributions, both in one bank and in several simultaneously.

What are the contributions?

In fact, types of deposits that are offered by banks, a lot, each of whom has some of its own features, pros or cons.

But mostly deposits are divided into three main groups depending on:

1. from the deposit period - deposits "to demand" and urgent deposits
2. from the possibility of replenishment - replenished and unreserved
3. from the type of deposit currency - deposits in rubles, currency or multicurrency deposits.

From the service life of money in the bank.

What are the difference between urgent contributions from the deposits "to demand"? According to urgent deposits, which are placed on a certain period (from 1 month to several years), the expiry of the agreed period is paid.

If the client takes his money until the end of the deadline, provided for by the contractThe bank can return completely only the initial deposit amount, the interest on the deposit may be accrued partially.

Some banks in case of early termination of the contract can return fully accrued interest, but usually at such deposits are low interest rates.

Tip!

According to the contribution of "to demand", the funds are posted for an indefinite period, the client is returned on the first request, and interest rates on them are much lower than on urgent deposits.

Replenished and unproduced deposits

Everything is clear here. If the contribution is replenished, then this means that the deposit account can be made additional amounts that will increase total Deposit and, accordingly, income on it.

If the contribution is unpopulated, the initial deposit amount cannot be increased, and interest will be accrued only to it.

What currency to discover the contribution?

In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.

Feature multicurrency deposits: On the same account you can accommodate different currency Several amounts for each of which will be accrued to your percentage.

It should also be borne in mind that interest on currency accounts is always lower than on ruble deposits.

How to choose the most profitable contribution?

What do you usually pay attention to when choosing a deposit? Of course, the interest rates (equivalent of money remuneration, which receives a client for giving the bank its funds 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 contribution, from the period of placement of the contribution, on whether the contribution is replenised or not, from its type (urgent or "demand" ), from capitalization and some other factors that we will talk about later.

A warning!

We will make a reservation at once that very high interest on deposits is not always a sign of a good bank.

Usually after the conclusion of the contract, the Bank cannot unilaterally change the amount of interest rate, but there are exceptions (this concerns contributions with the capitalization of interest and prolongation).

How are interest accrued on deposits?

1. First option: At the end of the Deposit Term, interest is charged at the initial amount.
2. The second option: the payment of interest is made with certain frequency (regular payments), for example, once a month or quarter. In this case, interest is listed on a plastic card or another account.
3. Third Option: Capitalization of interest on the contribution.

This means the following: interest in the amount of the deposit is added during a certain period, and in the next period, interest will be accrued already for a large amount.

This method of interest payments is sometimes called a "complex percentage" and can be produced once a month, once a quarter, once a year or in connection with the end of the contract.

Attention!

As already noted, contributions with capitalization usually have a lower percentage, but the income can be higher.

And a few more concepts that need to be understood by addressing bank deposits.

The prolongation of the contribution is the automatic extension of the deposit agreement after its expiration and placement of the contribution for a new term without the participation of the client.

If the prolongation is not provided, the means (the main amount plus accrued interest) will be transferred to the client's account, and the percentage from this moment will not be accrued.

In order to resume their accrual, you need to come to the bank and open a new account. True, it must be borne in mind that prolongation is not covered by all types of deposits, and to take advantage of this service, it is necessary to stipulate it in advance in the contract.

To open an account, the Bank will require only a passport of a citizen of the Russian Federation (sometimes they may ask to submit any second document, for example, a passport). If you want to open a contribution to a relative, it is enough to provide its documents or notarized copies of documents.

Favorable deposits in 2017

So, we found out which deposits are how interest is accrued and what conditions are for various contributions. And also figured out that the interest rate that fluctuates mainly from 3 to 10 percent depends on many factors.

Rating banks

The goal you pursue, opening a deposit, ultimately should determine your selection of the contribution. It is it that determines what conditions for you are important and what you give preference (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high percent, ignoring possible risks and losses. Someone makes up lower rates, but at the same time such conditions are important as the ability to replenish the score or take part of the money, capitalization, short term of investment, reliability.

Often you can meet in banks a good offer for pensioners with a higher interest rate. There are good special offers or seasonal shares that are satisfied with banks on some occasion for a short time.

Tip!

For example, if I wanted to accumulate funds for an expensive purchase, I would prefer a long-term replenished contribution with monthly capitalization, although with a smaller interest rate.

But in general, such a way of investing, which includes bank deposits, today is not the most favorable option. The amount of bets compared to what was a couple of years, significantly reduced. And to find, for example, a contribution under 10% per annum, you need to try to very much.

And you need to understand what the rule exists: what more Bank offers opportunities for deposit (for example, replenishment, capitalization, partial removal), the lower the percentage on this contribution.

Where and how to search for information about banks?

Banks that offer us their services, there are a lot in our country. And sometimes the search for a suitable bank can stretch for a long time. I hope to navigate this simple tips on this issue.

One way to somehow navigate in the choice of bank is to look at its ratings. Ratings of Russian banks are mainly of such Russian rating agencies as the national rating agency (NRA), Expert RA, Rus-Rating, AK & M, among which the Agency Expert RA Agency is considered the best.

The largest international agencies (Fitch, Moody's and S & P) work only with the largest Russian banks, and the average banks do not fall into the field of their vision.

You can also make certain conclusions, reading the Bank's credit reporting, which is published on the website of the Central Bank or on the Bank of Russia website. But to figure it out in these reports, perhaps, only by a specialist. To us, simple customers, you can try happiness on the portal banks.ru, where information is already presented in a more accessible form, which may understand the unprofessional.

A warning!

The reliability of the bank is determined by its financial indicators. For analysis, we compare the current assets of the bank with indicators that were a year ago and for the past month.

The sign of the reliability and stability of the bank - the large assets at the moment and their increase compared to the past periods. Also testifies to the reliability of the bank the amount of it own funds (authorized capital).

According to the Finmarket news agency, as of March 1 (on April 1, the list did not change) to the list of Russia's largest banks include: Ak Bars, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, Binbank , Bank "Revival", East KB, VTB, CJSC VTB24, GPB, MDM Bank, Minb, Moscow credit bank, Nomos-Bank, Nordea Bank, Petrocommerz, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB "Russia", Sberbank of the Russian Federation, Sobibank, CITBANK CB, NB Trust, Uralsib, Khanty-Mansiysk Bank, CHF-Bank , UniCredit Bank.

On the need to evaluate the reliability of the bank Based on the analysis of reporting, paying attention to the criteria such as deterioration or violation of mandatory standards for banking organization (which can lead to the review of the license), for not carried out own payments and the difficulties arising from the repayment of their own debts, to large cash turnover, which significantly exceeding the assets of the bank and do not have an economic rationale for significant investments in mutual effects and stocks (this may serve as a signal of the emergence of large problems in the Bank in the near future), on any sharp reduction in balance indicators without reasonable 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 seems to be fully reliable than the bank's reliability on the basis of such an analysis of specialized reporting, the ordinary client seems very difficult, but it is quite possible to understand some of the main points that it is quite possible that at least partially help reduce the risk level.

2. On the size of the bank. Almost 100 percent applied to large federal and regional banks: "Too big to go bankrupt." Information on their assets, which indicate the magnitude 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. On bad news about the bankYou 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 page on the portal "Bank.ru" (such a page on the portal have about 600 banks), at a minimum, should be alert.

4. On the drop in ratings which can be lowered by rating agencies. The fact of the lack of rating has the credit institutions (which can serve as evidence of the bank's reluctance to provide information to the rating agencies, trying to hide something negative).

5. On the high rates By deposits. The overestimated rates that significantly exceed the average level, or their sharp increase may be evidence that the Bank lacks its own funds. And, trying to attract more customers at the expense of more profitable, at first glance, proposals, the credit institution is trying to pay off his debts. This may be evidence of increased risk.

How to understand what is the overestimated bet or not? In this case, it is possible to navigate the results of monitoring maximum interest rates (on deposits in rubles) in the top 10 credit institutions that attract the greatest amount of deposits of individuals published by the Central Bank. In March, the maximum contribution rate amounted to 8.35%.

6. To change the schedule of work. Reducing the work of the bank (reducing the number of working days and period of work during the day), reducing staff - all this can serve as indirect signs of problems encountered in the bank.

7. On the problems arisingwhen conducting monetary operations (for example, delays in removing cash, closure of deposits, quality of service), as well as mass closures of bank accounts of the bank. You can learn about this from reviews on various forums.

Deposit Insurance - Additional Security Measures

What will happen to our contribution, if we still mistaken, and our bank went bankrupt or did it take a license?

This question is worried about all depositors. In the case of bank deposits, fear for their savings, if they do not exceed the amount of 700,000 rubles, it is not worth it.

From October 1, 2008, in our country there is a system of compulsory deposit insurance, and the banks themselves are made completely free for customers. If such a trouble happens, and your bank will be closed, within 14 days after the offensive insurance case You will be returned to the deposit amount.

Deposit Insurance System

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This item should pay special attention.

That is, if you have several bills in one bank in one bank, for example, 10,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more expedient to open accounts in different banks and ensure that the amount on them does not exceed 700,000 rubles.

For example, putting 500,000 rubles in two banks, in the event of bankruptcy of these banks, you will receive all your money in the amount of 10,000,000 rubles. If it happens so that the deposit amount will still exceed 700,000 rubles, the remaining money must also be returned.

But only all this will delay indefinitely, and the return of money will be possible only after the bank's elimination and the sale of its property.

Now the government bill on increasing insurance on deposits from 700,000 to 1 million rubles is being actively discussed (in the first reading, this bill was adopted by the State Duma last year).

So how to choose a reliable bank?

Before you entrust your money to this or another bank, be sure to check the bank affiliation to russian system Insurance deposits. Make it simple: On the Internet you can find information on any bank now.

A warning!

First, select all banks in which all contributions are insured, and collect maximum information about all banks that are in your city.

From this list, choose deposits with the highest percentages before making comparative analysis For profitability in different banks. The more you learn offers on deposits and deposits, the more chances you have to find the optimal option.

Find out whether the banks and commissions are provided for some additional services (for example, for replenishment of the contribution, cash withdrawal, opening an account) and penalties in the event of a premature termination of the contract.

Carefully read the contract! The optimal solution, in my opinion: the reliability of the bank and relatively high percentage. But it is not necessary to forget that sometimes for an overly high rate hide big problems of the bank, which he tries to decide for our account with you.

A meaningful approach, careful analysis and inconsistency in decision making will make the right choice. But at the same time, it is not worth tightening with the decision-making, you need to appreciate my own time, money and strength. Therefore, stop dreaming, build air locks and begin to act.

28 May

Money is not only a tool for making calculations. They should not only save, but preferably. One of the effective ways to increase the amount of savings is deposits. Open them offers many banking organizations, of course, on different conditions. How to choose beneficial deposits, discuss today.

Contribution: Concept and essence

The contribution is a certain amount of funds you send a bank organization to get income in the form of interest. The contributor to become simple: Agreement should be concluded for the placement of money in rubles or other currency in the bank account.

Any citizen is entitled to place a contribution to individuals, regardless of his social status and the material situation.

Top 20 banks in which the contribution can be discovered

We will analyze the conditions for opening deposits in several criteria.

We also immediately note important information: all data relating to interest rates and opening conditions received from official banking organizations. It can change, be supplemented, this is the prerogative of banks.

Tinkoff Bank

1. Minimum contribution - 50 000 rubles;
2. Minimum placement period - 3 months;
3. Maximum placement period - 24 months;
4. Minimum% rate – 5,5%
5. Maximum% rate – 8,8%;
6. % Calculation - to contribute either at the request of the client for a card;
7. Replenishment - Whatever time, via the Internet;
8. Removal of parts - Whatever time, as you are comfortable.

Summary: Ease of discovery, the ability to shoot and replenish the score at any time, quite the lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. From pleasant bonuses it can be noted that everyone who has discovered the contribution becomes the owner debit card bank. There is also an opportunity to discover the contribution to different currencies.

1. Minimum contribution - 1 ruble (depends on the type of deposit open);
2. Minimum placement period - 30 days (Contribution "Save");
3. Maximum placement period - 36 months;
4. Minimum% rate – 3%;
5. Maximum% rate – 7%;
6. Accrual% - occurs depending on the type of deposit;
7. Replenishment - possibly;
8. Removal of parts - allowed.

Summary: The bank is definitely reliable, stable, supported by the state. Participates in the Deposit Insurance System, you can not attend the office personally. At the same time, we note that interest rates leave much to be desired.

VTB 24

1. Minimum contribution - 200,000 rubles;
2. Minimum placement period - 90 days;
3. Maximum placement period - 60 months;
4. Minimum% rate – 4,10%;
5. Maximum% rate – 7,4%;
6. Accrual% - every month;
7. Replenishment - possibly;
8. Removal of parts - Perhaps (the contribution "Comfortable").

Summary: The amount of the first contribution is large, not to make it for everyone. number affordable contributions Small, but it is unlikely to be counted for the negative parties. At the same time, it is possible to finally remove funds, as well as replenish the contribution.

1. Minimum contribution - 10 rubles (contribution "to demand");
2. Minimum placement period - depends on the type of contribution;
3. Maximum placement period - depends on the type of contribution;
4. Minimum% rate – 0,01%
5. Maximum% rate - 8.75% (investment contribution »);
6. Accrual% - every month;
7. Replenishment - Yes, according to the deposits "managed", "accumulative", "Pension income"
8. Removal of parts - Yes, according to the deposits "to demand" and "manageable".

Summary: The amount of the initial contribution is available for all, there are no restrictions on the deposit periods.

1. Minimum contribution - 1000 rubles;
2. Minimum placement period - 3 months;
3. Maximum placement period - 2 years;
4. Minimum% rate – 7,25%
5. Maximum% rate – 9,0%
6. Accrual% - according to your choice (every month or capitalization);
7. Replenishment - possibly;
8. Removal of parts - Not for all types of deposits.

Summary: Not all contributions are available for replenishment, cash for removal needs to be ordered in a few days. Positive aspects: You can manage your contribution without visiting the office.

1. Minimum contribution - 100 rubles (according to the deposit "Pension");
2. Minimum placement period - 90 days;
3. Maximum placement period -1095 days;
4. Minimum% rate - 0.01% (by deposit "to demand")
5. Maximum% rate - 7.8% (by the deposit of "vacation");
6. Accrual% - at the end of the term;
7. Replenishment - Yes;
8. Removal of parts - Only on the "dynamic" contribution.

Summary: Bank participant in the deposit insurance system is the possibility of personal counseling.

1. Minimum contribution – 10 000 rubles;
2. Minimum placement period – 3 months;
3. 2 years;
4. Minimum% rate – 6,5%;
5. Maximum% rate – 7,35%;
6. % Calculation – daily, monthly;
7. Replenishment - Yes, perhaps;
8. Removal of parts – Yes, possibly.

Summary: There is an increase in the bet when opening online, the bank enters the deposit insurance system, relatively small minimum contribution.

Bank opening

1. Minimum contribution – 50 000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period – 2 years;
4. Minimum% rate – depends on the type of deposit;
5. Maximum% rate – 8%;
6. % Calculation – 1 time per month (capitalization available);
7. Replenishment - possibly;
8. Removal of parts - Perhaps on the contribution of "Free Management".

Summary: There is an opportunity to replenish the deposit amount, an online opening is available.

Alfa Bank

1. Minimum contribution – 10 000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period - more than 3 years;
4. Minimum% rate – 4,5%;
5. Maximum% rate – 7.2% on the contribution of "victory +";
6. % Calculation – every month;
7. Replenishment -yes;
8. Removal of parts - Yes.

Summary: There is a possibility of obtaining serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.

1. Minimum contribution – 30 000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 36 months;
4. Minimum% rate – 5%;
5. Maximum% rate – 8,5%;
6. % Calculation – every month;
7. Replenishment -yes, by the contribution "Always at hand";
8. Removal of parts – possibly.

Summary: It is possible to make a minimum contribution to several payments, there is a possibility of monthly replenishment.

1. Minimum contribution - 10 000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum% rate – 6,0%;
5. Maximum% rate – 9%;
6. % Calculation – at the end of the contract;
7. Replenishment -yes;
8. Removal of parts – yes.

Summary: For the opening of the contribution over the Internet, 0.25% is plusing. It is possible to make money and not lose interest.

Ubrir

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 4 years;
4. Minimum% rate – 5% (on deposits in gold and silver);
5. Maximum% rate – 9%;
6. % Calculation – every month;
7. Replenishment -yes;
8. Removal of parts – Available.

Summary: A small amount of the first contribution, the choice of deposits is wide.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum% rate – 7,4%;
5. Maximum% rate – 8,3%;
6. Accrual% - 1 time per month;
7. Replenishment -yes;
8. Removal of parts – Yes.

Summary: The bank increases the deposits rate for persons who discovered it through the Internet and ATMs (+ 0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.

1. Minimum contribution – 10 000 rubles;
2. Minimum placement period – 366 days;
3. Maximum placement period – 366 days;
4. Minimum% rate – 6,3%;
5. Maximum% rate – 8,10%;
6. % Calculation – every month;
7. Replenishment -yes;
8. Removal of parts – Yes.

Summary: We see that the minimum contribution is small, it is possible to shoot and replenish contributions, also% can be obtained every month.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 36 months;
4. Minimum% rate -7,0%;
5. Maximum% rate – 8.22% (if you make 3 million rubles);
6. % Calculation – 1 time per month or at the end of the term;
7. Replenishment -yes;
8. Removal of parts – not.

Summary: Opening is available in rubles and in currency, it is impossible to partially take money, but at the same time you can replenish the entire line.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 1 year;
4. Minimum% rate – 7,5%;
5. Maximum% rate – 8.25% ("Capital");
6. % Calculation – Every month, every quarter;
7. Replenishment - Yes;
8. Removal of parts – Yes.

Summary: The company's website contains information that deposits are accepted only in rubles, in addition, it is possible to obtain an increased% if you discover the contribution via the Internet. It is permissible to close the contribution ahead of schedule and not losing accrued%.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum% rate – 6,5%;
5. Maximum% rate – 8,6%;
6. % Calculation – everyday (if the contribution "to demand");
7. Replenishment -yes;
8. Removal of parts – Yes.

Summary: You can replenish open deposits and take part of the funds.

Bank "Ugra

1. Minimum contribution – 100 rubles;
2. Minimum placement period – 61 day (on the contribution "Special Client")
3. Maximum placement period – 36 months;
4. Minimum% rate – 6%;
5. Maximum% rate – 10%;
6. % Calculation – 1 time per month;
7. Replenishment -yes;
8. Removal of parts – Yes.

Summary: Deposits can be replenished and removed by parts by parts, initially you can make a small amount.

Bank URALSIB

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum% rate – 6,1%;
5. Maximum% rate – 9,0%;
6. % Calculation – every month;
7. Replenishment -yes;
8. Removal of parts – Yes.

Summary: The banking institution offers a wide range of deposits, there is from what to choose.

1. Minimum contribution – 30 000 rubles;
2. Minimum placement period – 91 day;
3. Maximum placement period – 720 days;
4. Minimum% rate – 6,5;
5. Maximum% rate – 8,5%;
6. % Calculation – Each quarter, at the end of the term;
7. Replenishment -permissible;
8. Removal of parts – Yes.

Summary: The bank offers a fairly wide selection, when opening in an Internet bank, the percentage is a little higher.

Comparative table for all banks

Banking Institution	Maximum on deposit	Contribution for opening	Ability to remove / replenish
10%	100 rubles	yes Yes
9%	1000 rubles	yes Yes
Ubrir	9%	1000 rubles	yes Yes
9%	1000 rubles	not for all deposits
Promsvyat Bank	9%	10 000 rubles	yes Yes
Tinkoff Bank	8,8%	50 000 rubles	yes Yes
8,7%	10 rubles	yes Yes
8,6%	5000 rubles	yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	yes Yes
8,3%	1000 rubles	yes Yes
8,25%	5000 rubles	yes Yes
Home Credit Bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	yes Yes
Bank opening	8%	50 000 rubles	yes Yes
7,8%	100 rubles	yes Yes
VTB 24	7,4%	200 000 rubles	yes Yes
7,3%	10 000 rubles	yes Yes
Alfa Bank	7,2%	10 000 rubles	yes Yes
7,0%	1 ruble	yes Yes

In the next part of our conversation, we consider how to make a comparison of deposits.

How to compare different deposits

It is clear that the most an important indicator For comparison, most people consider the interest rate. But no less important and indicators that we have already considered in the table above are the opportunity to make money and replenish the score.

The level of income that you will receive by deposit primarily depends on the bet. If you discover the contribution to the currency, then get a smaller income if in rubles – more. Rates on currency deposits are always lower than on ruble.

Separately, we note that at present, the opening of deposits without visiting the Bank's office is becoming increasingly popular, online or through an ATM. Some banks offer for such an opening% slightly higher than standard. We also wrote about this in the article.

If you read the recommendations of various specialists, they note that you should not give priority when choosing a contribution to such an indicator as the interest rate. It happens that their high levels hides in themselves a big risk or completely unable to favorable conditions. The rate indicated in advertising – in fact below.

There is another criterion for comparison: the size of the minimum and maximum amount Contribution. It cannot be said that he plays a big role, but attention to it is worth it, since the minimum contribution is associated with expenditure operations. Speaking simple languageThis means that if you output the means partially, this amount should remain on the account.

It is impossible to withdraw money more than this amount, you will lose everything that was accrued. This is especially important for depositors who have small amounts of funds, invest in any time to remove the maximum.

Goals placement deposits

It would seem that nothing complicated: you discover the contribution to not lose money, save them, as well as increase their number. But there are a number of other purposes. Let's talk about them.

1. Earn.

Do not be surprised, it is quite possible. Often banking organizations are carried out shares of various nature. If circumstances are successful, you can get an additional income.

2. Get benefits.

As an example, we give one of the largest banks in the Russian Federation. It has such a condition: for a person who will discovery to a certain amount will act preferential conditions by mortgage lending. Imagine who are not so little.

3. Protect your money from inflation.

If you set yourself such a goal, you can choose a practical any type of deposit - they will all help it. Store money at home in the box - not the best option, sooner or later inflation will eat them, and no one is insured against the thieves.

4. Accumulate on a large purchase.

We all know that there are people who do not delay money in his pocket. They say about these: give him a million, he will spend in 2 hours. As a result, it turns out that money is needed for something really serious, but they are not.

In this case, and comes to the rescue bank deposit. And it is better to make money it was impossible to remove money. Then it will work out.

And now let's talk about what deposits are at all and how they are classified.

What are the contributions

To attract a large number of customers, banking organizations are constantly expanding the line of deposits by adding new ones. We will now consider the most popular types of deposits for us - simple inhabitants.

All deposits can be divided into 2 categories: Urgered and poste restante.Urgent open for a certain time, the contributions to the demand of a specific period do not have.

Savings.

It is worth noting that the highest rates on this group. In addition, this deposits are not always allowed to make money, as well as to make funds to the account.

Estimated.

Thanks to the presence of such a contribution, you can control your finances, carry out accumulation management. Another contribution is called universal.

Cumulative.

Provided for such clients who plan to carry out its replenishment throughout the entire deposit period. They are most often used by people who wink on expensive purchases.

Special.

These are deposits, open which offer specific customer groups. This includes deposits for students, pensioners and so on.

By seasons.

Dedicated to some time of the year. They often have quite high bets, but there is no possibility of prolongation.

Mortgage.

Designed for those who want to accumulate on their own on the initial contribution of the mortgage. They can be replenished, but cannot be extended automatically.

Part of the funds or the whole amount immediately at the end of the contract will be aimed at paying a mortgage contribution. Now in the Russian Federation, such a contribution is not found in all banking institutions.

Indexed.

This contribution refers to the category of urgent and tied to a change in the value of any asset. The asset can be a dollar rate, securities, precious metals and so on.

Multicurrency.

The meaning of such a contribution is that funds are stored in various currencies: most often it is rubles, euros and dollars. There is, of course, the ability to store money in more exotic currencies, but it is rarely found.

The main advantage of this type of contribution is the ability to not lose yield and translate funds from one currency to another. This is called conversion. The commission is usually not taken for it, but also the rates are lower here than in other types of deposits.

Baby.

Opened in the name of the child, which is not 16 years old. Contribution - target.

License plate.

A person makes funds only in cash. The client at the opening of such a contribution can count on the complete anonymity of his account.

How to choose a bank to place the deposit

Choosing a banking organization, which you can entrust money and not be afraid of losing them, will take a decent amount of time.

To make this task a little easier, we give several recommendations:

1. Do not neglect other people's reviews. Familiarize yourself with them, it will definitely not be too much. Only special attention is paid to those presented in the network as a whole, and not on the official websites of the banking organization.
2. Explore information in the media for publications about the bank in a negative key.
3. When visiting the Bank, specify how interest rates act on deposits: if they are overestimated - this is a reason to alert;
4. You can use the information posted on the portal Bank.Ru. The positive side here is that all data on the site is set out in a simple language, you do not need to be a specialist in the field of economics to deal with the subject;
5. Find out if the bank has branches and branches;
6. An important criterion for choosing is the participation of the bank in the system of state insurance of deposits. This information is on the Internet in free access, it will not find it any problems.
7. On the official website of the Central Bank of the Russian Federation, you can view information that concerns the reporting of banking organizations. Here the only negative is that it is difficult to deal with a simple person, a specialist help is required.
8. An important indicator is the amount.
9. You can ask the bank's ratings, they publish special agencies. Of course, to keep track of them is difficult, but as additional information can be used.
10. An indirect sign that the bank is not all good, are frequent failures in the implementation of various operations.

Errors that we admit, choosing a bank

Not always a potential investor can adequately assess the reliability of the selected banking organization.

Errors, by the way, are allowed the most banal:

1. Choosing the highest rate on the deposit. It is dictated by the desire to increase the amount of their funds. If your goal is only in this, you'd better take advantage of others financial instrument. Very high rates should not attract, but repel the client. Their presence is the indicator that the bank needs funds, he has difficulties with finance.
2. Excessive confidence in the bank specialists. Even if the employee is convincingly and beautifully, his words must be confirmed something. Stable and reliable institutions provide customers with all the information available in public domain.
3. Opening of the contribution to the service banking organization. Often, investors trust their funds to the bank in which they receive salary or other types of permanent payments. It is convenient, but you do not need to carry all the money into one institution, it is better to distribute several.
4. Following unverified recommendations. The experience of your friends and relatives is important, but do not need to follow him. They are based mostly in the opinion of a particular person, and not at the actual state of affairs.

Summing up a small result, I would like to say that the choice of banking organization needs to be approached with high attention and thoroughness. It is better to spend time searching for the maximum suitable bank than to risk your cash savings.

Insurance of deposit state

Thanks to the introduction of this system, a person can return his money, even if the bank is recognized or he recalled a license.

In 2017, deposits of up to 1,400,000 rubles are insured. If your deposits are open in several banks and all these credit organizations have been subjected to bankruptcy, from each you get 1,400,000.

The action of this program is applied to deposits made in currency. Amount B. this case It will be calculated by this course that is valid at the date of feedback from the license bank. Recalculation is carried out in rubles.

Causes of refusal to open the contribution

Banking organization, not voicing the cause, may refuse to the Client in the opening of the contribution.

This happens infrequently, and the reasons may be the following nature:

• Client under 14 years old;
• The client does not have the opportunity to present a passport or another document that will make his identity;
• A citizen of another state wants to discover the contribution, which cannot confirm its right to find in the territory of the Russian Federation.

In the next part of our article, we will consider in detail 20 banking organizations that have already proven themselves as reliable. People trust them with their money without fear for their safety. We offer to analyze the line of deposits that offer the data of the institution, and then conclude, in which bank it is better to discover the contribution.

NDFL and Fosters of Fislice

Most of the deposit programs of payment does not require. The tax will be accrued only if the income level exceeds the legislation. BUT B. this year Banking organizations lowered rates on deposits due to the fact that they rose insurance rates. And therefore high level The profitability does not have to wait.

You may ask: so you need to pay something or not? Reply like this: this direction of payments is practically not controlled. If you receive a notice of payment, of course, make a payment. But if during the 3 years you did not notify about it, you can not pay.

Interest on deposit: how to calculate

To begin with, we immediately note that you should not fully trust the amount of interest on the deposit, which is indicated in the advertising of a banking organization. Before you entrust your blood earned money to the bank, try to calculate interest yourself. Perhaps it will seem difficult to you, but we will try to clarify how to do it as simple as possible.

First of all, you should not fully trust the calculation of the contribution calculator.

The actual result will not show, because:

1. Their functional is scant, all the details of the calculator does not take into account. Therefore, from its application you can refuse and try to calculate everything manually.
2. Calculate everything before deciding on the bank and type of deposit. It is necessary to evaluate and compare various proposals.
3. If questions arise, contact consultants of the bank, they will clarify all the necessary moments.

And now we turn directly to the terminology and calculations.

Interest on deposits are charged in two ways: according to the formulas of a complex or simple percentage.The key parameter in both cases is the interest rate on the deposit.

Under the concept of%, the contribution is understood by the amount that the bank pays to its client for using his money.

The value of the bet is usually prescribed in the contract, indicate it as percentage of annual. The rate can be floating or fixed.

If we are talking about simple way Accrual%, they are not added to the amount of the deposit, but list the depositor to the open account.

With the second embodiment, the income accrued is attached to the body of the contribution, it turns out that its main amount has increased, which means that the total yield is growing.

Formulas

Calculate interest in case of simple accrual:

S \u003d (p x i x t / k) / 100Where:

• S - accrued%;
• P - the amount you make;
• I - the rate of deposit for the year;
• t - the number of days for which% counters;
• K - Number of days for the year (do not forget about the leap).

Example. Citizen O. discovered a contribution to the amount of 200,000 rubles, for a period of 12 months, under 9.5% per annum. Accrual% simple. After the expiration of the contribution of the income O. will be: (200000 * 9.5 * 365/365) / 100 \u003d 19 000 p.

If the complex interest is understood, the calculation will look like this:

S \u003d (p x i x j / k) / 100Where:

• S - accrued%;
• P - the amount you made;
• I -% by deposit for the year;
• j - the number of days in the estimated period;
• K - the number of days a year.

Example. Citizen O. discovered a contribution to the amount of 200,000 rubles, for a period of 6 months, under 9.5% per annum with capitalization. After the expiration date of the contribution of income O. will be: (200000 * 9.5 * 180/365) / 100 \u003d 9369 p. (for 6 months).

Deposit in currency: nuances

Under the existing economic conditions, investors prefer to keep part of their money in currency. If you are ready to open this contribution, then remember: if the bank loses the license, the deposit amount will be paid to you in rubles.

In addition, there is another subtlety: the DSE starts insurance payments 14 days after the license is revoked from your bank. And during this time, the currency rate can grow, so you can lose some amount.

What are the risks of the depositors

it important questionwho can not be left unanswered. After all, everyone knows that any medal has two sides: positive and negative. We have already talked about the advantages of the opening of deposits, we will now discuss possible risks.

The most common are the following:

• Banking organization recognized bankrupt;
• Payment of NDFL;
• An increase in rates for deposits opened for a long time;
• Liquidity risk;
• Risks reinvestment.

And now a little more.

Bank is recognized bankrupt.

To slightly reduce the possibility of such a situation, place your savings in different banking organizations, the amounts of no more than 1,400,000 rubles. If something happens to the bank, the state will return to you.

Payment of NDFL.

It will have to do only if the rate according to your contribution by 5% will exceed the refinancing rate. Then you have to pay, and in the amount of 35% with the amount of exceeding.

An increase in bets for deposits opened for a long time.

If you discover under 9% per annum, for a period of 36 months, and after a year the rate has become 12%, you lose 3% income.

Liquidity.

Such a risk arises if you are terminating the agreement on urgent contribution. Better open a deposit where funds can be partially removed.

Risk of reinvestment.

Suppose you discovered a deposit for 6 months, denied 10%. These tools you plan to reinvest. But after 6 months, the rates fell and now you can get only 8% per annum.

To minimize risks, make the choice of the bank carefully.

Fraudulent operations related to deposits

Recently, the review of the license from banking organizations is regular. But the problem also in the fact that 27 thousand people appealed to the Deposit Insurance Agency with statements that people cannot receive compensation for their funds. As it turned out, there were fraudulent activities with deposits, from banks.

What is the essence of such fraud? It turned out that banking organizations kidnapped funds from their depositors. Double accounting was conducted, and the man did not even guess that he was robbed. In accounting, the data that deposits were opened, or did not specify at all, or in a strongly reduced amount: instead of 500,000 reflected only 50 rubles.

After the licenses were withdrawn, the depositors faced the fact that there are no money on their accounts, there is nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend to keep all the documents in the original: orders confirming operations, contracts on the opening of deposits and so on. And act actively, do not expect that the situation itself is normalized.

Enter according to this algorithm:

• Contact banking organization with a statement insurance compensationby attaching the documents that you have on your hands;
• The application from the Bank is transferred to the Insurance Agency;
• The agency registers it and considers;
• If the decision is positive - entrepreneurs will be made to the register of payments;
• As a result - you will get my money in full.

Of course, this procedure will make you spend not only time, but also nerves. Although most likely that the outcome will be positive.

You can still advise place deposits in banks that are among the largest. This somewhat reduces the risk of license and fraud. But this is a personal matter of everyone, we will not impose anything.

Conclusion

So, dear our readers, now you know how to choose suitable bank And to discover in it. If you place your tools successfully - not only save money, but also get income. The main thing is to choose a bank thoughtful, and best place funds in several stable banking institutions.

Forming on the basis of the total volume of incoming funds. If you are looking for financial institution With high indicators, thanks to ranking, you can choose the appropriate. Based on the information provided, you can choose the best proposals for profitability and interest rates.

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

Russia in deposits is formed according to the Central Bank of the Russian Federation. Analysis occurs on other indicators:

• Positions in the ranking drawn up by independent agencies.
• The opinions of customers who have already performed operations in this bank.
• Positions in the ranking drawn up by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the fundamental capital of the institution. The more funds, the less likely it will be recognized as insolvent.

Rating of banks in Russia on deposits of individuals in 2020

In 2020, the top of the best banks of Russia on deposits did not change much. The higher the place in the list, the more confidence in this financial organization. Usually the Central Bank of the Russian Federation publishes the official list that causes the most confidence in people by:

• interest rates,
• creditworthiness.

The top of the best banks may vary depending on different indicators. Therefore, we regularly update information by offering customers only favorable offers.

The rating of banks for today is formed on the reporting provided by financial organizations. All companies included in the list are represented in our consolidated rating. Advanced Reliability can not only bank deposits, but also other indicators.

If you consider interest rates, the list may be different. When choosing, pay attention to the rating at the full cost of deposits. It includes surcharges, bonuses and other gifts for investors.

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