Which bank has the highest interest on savings deposits. Contributions. Banks of Russia - interest rates on deposits

Only a few banks offer high-interest deposits in Moscow. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is. But this can happen only when several conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with funds until the end 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. The offers for individuals are different:

• minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high rates 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.

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

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

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

Analysis of profitable offers

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

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

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

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

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

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

All banks are interested in attracting as much money as possible from depositors to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities of using the deposit.

In this article:

Choosing a deposit correctly

With all the differences, deposits can be conditionally divided into three groups, depending on the ability to manage accounts: profitable (without the possibility of replenishing and withdrawing money), replenishing and with the ability to use funds.

It is easy to choose the highest percentage, but what if you urgently need money? Here, savings programs come to the rescue with the right to partial / full withdrawal of money. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “profitable” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract, without the ability to manage and early use of funds. Standard deposits have the highest yield, depending on the amount of the deposit and the terms of the investment.

The conditions for making deposits in various banks are relatively equal:

• You need to choose a specific offer.
• Deposit an amount not lower than the specified minimum.
• Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

• Bank of Moscow "Correct answer"

Interest rates up to 11% in rubles.

Contribution - from 100 thousand rubles.

• BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• PromSvyaz bank "My benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, $ 500 and € 500.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, $ 1,500 and € 1,500.

• VTB 24 "Profitable"

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

Replenishing deposits

• Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles., $ 500 and € 500.

• PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

• Gazprombank "Accumulative"

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, 500 $ and 500 €.

• VTB 24 "Accumulative"

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• RaiffeisenBank "Personal Choice"

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Top up"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

• Bank Trust "All Inclusive" with the possibility of replenishing the account

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

• Gazprombank. Product "Dynamic" has the additional ability to replenish deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles., 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to fund your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, 1000 $ and 1000 €.

Each person is saving money for different purposes. However, many do not realize that keeping your savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a versatile investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, in most organizations there are no restrictions on minimum contributions, and if they are, then they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank staff for a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through a compulsory insurance program. Therefore, if the license is liquidated or revoked, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect that we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for an early withdrawal, but the bank is likely to refuse to pay the accrued interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and they are not interested in potential profit.

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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 - 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