Choose a deposit at the bank. Reliable banks with a high interest on deposits. High Interest Deposits - Which banks have higher interest rates?
Content
Keep money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits at banks are high today so that people can profitably place money on deposits without worrying about inflation. Buying real estate is now not a very profitable investment, foreign currency is periodically cheaper in relation to the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.
Rates on deposits of individuals
Recent polls show that more than half of Russians believe that it is better to save money in a bank, on a deposit or savings account. The confidence index of financial institutions is gradually rising, people from the experience of previous years prefer to save surpluses. Each bank offers its own solution, but there is a concept of the average rate bank interestinstalled by the Central Bank:
- The central bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other indicators are tracked.
- Medium interest rates deposits in 2019 are 10.82%: this is 0.3% higher than in the previous 2016.
- The state ensures that institutions do not exceed this value by more than 2 points - this threatens them with fines, an additional audit and an increase in insurance premiums. According to this principle, the state controls the banking market, making it impossible credit institutions risk customers money.
Interest on pension deposits
Everyone is pleased to pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all the largest russian banks offer attractive interest rates at pension deposits with the replenishment function, which is a kind of savings account analogue, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.
Sberbank pleases pensioners favorable terms - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” - rechargeable deposit for 3 years, 3.5% per annum, “Save” - non-rechargeable, rate of 5.6% (when opening an online account - up to 6.13%), “Replenish” - 5.12% ( online - 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.
Interest on ruble deposits
Major share bank deposits make ruble investments. When choosing where to invest, you should not look for high interest rates in banks on ruble deposits offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:
- Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but minimum amount starts from 1000 rubles.
- VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
- Alfa Bank also holds the bar in the region of 9-10% in three-year accounts.
Foreign currency deposit rates
Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates for foreign currency deposits in banks, they range from 1.5 to 3.5% per annum, and again, untwisted players are in no hurry to make high interest on multicurrency accounts. Want to earn extra money - take advantage of offers from small regional financial organizations, but along with the growth of interest, the risk increases that they will have their license revoked.
Interest rates on deposits in banks in Moscow
The bank should not only offer profits, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and the TOP-10 rating of profitable offers is compiled based on the results. They take into account the rating loan agreements, profitability and net assets, which gives an idea of \u200b\u200btheir level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.
The best programs for Moscow banks:
- “With the maximum rate” - 8%, Uralsib;
- Vlad to the Future - 10%, BinBank;
- “Partner” - 8%, Nevsky Bank;
- “Maximum income” - up to 8.4% of Sovcombank;
- “All inclusive Maximum income” - 8.5% of the Moscow institution Credit Bank;
- « Financial protection", In euros, 3.5% - Promsvyazbank;
- “For Life”, in euros, 3% - UniCredit Bank;
- "The tradition of success", in euros, 2.5% - Promsvyazbank.
High deposit rates
Interest rates on deposits in banks today are very different. What does it depend on? Specialists identify several reasons that can determine high interest rates on deposits with banks:
- the intensity of loans, which make up the main profit of institutions;
- high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
- deposits with compound interest initially offer less profit than with a simple rate.
Major players on financial market They do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that overpriced income settings are more alarming than attracting. Want to win on a percentage - look for an institution with a deposit insurance system. In the event of a license revocation or bankruptcy, the state is obligated to return to customers amounts up to 1,400,000 rubles.
Interest rates of reliable banks
Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, while taking into account:
- analysis of the work of a credit institution by the Central Bank, while taking into account its size equity;
- customer reviews of the institution;
- verification of organizations by special agencies.
Sample list of deposits with good interest from recognized reliable banks this year looks like this:
- Magnus - 8% per annum from J&T Bank;
- "Solid percentage" - 8% of 3 months. Promsvyazbank;
- “PRIME” - 8.13% - 3 months-a year from UniCreditBank;
- “150 years of reliability” - 8.2% for 3 months. from Rosbank;
- “Promising” - up to 8.1% with maturities of six months to 3 years from Gazprombank.
Banks of Russia - interest rates on deposits
As the analysis of deposits shows, the most favorable interest rates on deposits with banks in Russia are for non-replenishable deposits for a period of six months or more. The proposals of small banks that are actively trying to attract new customers may turn out to be interesting:
- “Solid” - 10.5% for 550 days from GazTransBank;
- “Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
- “Fidelity to the traditions of Premium” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
- “According to Europlan” - 10% for a year from BinBank Capital;
- “Safe” - 10% for a year from Interaction Bank.
Sberbank deposit rates for today
The average ones rarely exceed 8%, which is offset by reliability, wide distribution throughout the Russian Federation and quality of service.
- “Memory of generations” - the minimum deposit is 10,000 rubles. the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to Veterans of Military Operations.
- “Save Online” - can be done in any currency. A small minimum amount is only 1000 p. - makes it accessible to any population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.
More popular offers:
- “Manage!” - replenished, it is possible to issue it online. Interest ranges from 3 to 5.85.
- “Give life” - part of the income is donated to the Fund of the same name. Term - 1 year, rate - 5.3%, without replenishment.
- “Savings” - a regular account with a minimum percentage of 2.3 per annum. There are replenishment and early withdrawal.
- “Savings Certificate” - an advantageous offer with an income of 8.45% per annum. Feature - not subject to a deposit insurance system.
VTB Bank 24
This bank has a share of government money, so its reliability is fully justified. VTB 24 Bank offers a low interest on deposits today, which is offset by favorable conditions:
- Profitable - Telebank with monthly payment profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
- "Cumulative" - \u200b\u200bfrom 200,000 rubles. for 3 months and more, percentage - up to 6.95, there is a capitalization of income;
- "Comfortable" - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount - from 200,000 rubles., There is the possibility of partial withdrawal.
Russian Agricultural Bank of Russia
The Russian Agricultural Bank positions itself as " national Bank»With advantageous offers for all segments of the population. Interest on deposits individuals Agricultural Bank range from 6 to 9% depending on the duration and size:
- “Investment” - from 50,000 p., 8.75%, profit payment - at the end of the term (six months, a year);
- Golden Premium - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15000000 p.;
- "Classic" - profit of 7.95% per annum, interest payments - to choose from, the minimum amount is 3000 p.
Deposit in Alfa Bank
The interest rate at Alfa Bank is comparable to its competitors, but the popularity of a financial institution is high. Now customers are offered:
- “Life Line +” - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 p .;
- “Victory +” - a contribution for six months, up to 7.3% and a deposit amount of 50,000 p .;
- “Potential +” - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
- Premier + - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).
Mail bank
“Post Bank” appeared on the Russian financial market quite recently, and until 2016 it was called “Summer Bank” and was subsidiary major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were being served at Post-Bank. Aggressive advertising company with the involvement of well-known actors is doing its job, the bank constantly calls to use its services for investment of accumulated funds.
It is proposed to choose the following deposit rates at the Post Bank, and all deposits are subject to insurance:
- “Seasonal” - for a year with a placement amount of more than 50,000 rubles. The rate of 8.25% with the payment of profit at the expiration of the term, pensioners receive 8.5% per annum.
- “Capital” - for six months or a year up to 8.25% plus a card as a gift.
- “Accumulative” - a replenished deposit of up to 7.5% and a minimum amount of 5000 rubles. early closure and capitalization of interest once a quarter is possible.
- “Profitable” - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.
Rating of banks at the interest rate on deposits
This year, the best interest rates on deposits are guaranteed by small credit organizations that need to attract the maximum number of new customers. It is worth noting that today the leaders among credit organizations do not offer high interest rates on deposits in banks, and deciding which option is more important - profit or reliability - is only for the client. Almost all banks operating on the territory of the Russian Federation, who value the reputation, participate in the deposit insurance system (now the maximum amount for return is 1 million 400 thousand rubles.
Specify the features of the proposals in the table:
|
Name of the bank |
Interest |
Deposit Terms |
||
|
BaltinvestBank |
There is no replenishment, interest is paid at the end, there is no early withdrawal. |
|||
|
Russian standard |
Maximum percentage |
Payment of profit at the end, without replenishment and early withdrawal. |
||
|
MosOblBank |
Personal |
Monthly payment of profits, replenished, without withdrawal. |
||
|
Fixed income |
Replenished (if agreed in advance, with a preferential commission for early withdrawal), payment of profit every month. |
|||
|
Maximum percentage |
Payment at the end of the year, replenishment is, withdrawing money before the deadline is impossible. |
Video: Interest rates on deposits in 2019
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To discuss
Why deposits with monthly interest withdrawal are profitable today
Many today speak of the need to create the so-called " passive income". Deposits with monthly interest accrual are one of the forms of receiving such income.
They are also called “rentals,” because by their principle of operation they are similar to making profit from renting an apartment.
In order to get a decent income every month, you need to invest a large amount right away. Therefore, when choosing a bank for such a deposit, it is important to consider not only the percentage, but also the reliability of the investment.
What are the most profitable deposits with a monthly interest payment today?
In this review, the site correspondents collected the most profitable deposits with a monthly interest payment, which are offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles and for a period of 1 year.
Deposits with a monthly withdrawal of interest in banks from the top 10
Contribution “Simple and profitable”
Replenishment / Without partial withdrawal / Without capitalization /% monthly
Contribution “Permanent income”
Profitable deposit
Without replenishment / Without partial withdrawal / Capitalization /% monthly
Contribution Save»
Without replenishment / Without partial withdrawal / Capitalization /% monthly
The contribution to life
Post Bank
Profitable deposit
Replenishment / Without partial withdrawal / Capitalization /% monthly
Deposit calculator
Who benefits from monthly interest withdrawals
The longer the term of the deposit, the greater the difference in the yield on deposits with capitalization and interest payments to the account. The proposals of banks with interest paid to another account, that is, without capitalization, are interesting for those who want to use the income from the deposit to finance their current expenses, ”explains Anastasia Gileva, manager of the Absolut Bank operations office in Ufa.
Are deposits insured with a monthly withdrawal of interest?
Yes. Subject to insurance cash individuals who are in the bank in deposits and on accounts, including foreign currency. The maximum amount of compensation for deposits today is 1,400,000 rubles.
If the deposit is placed in US dollars or Euros, the reimbursement amount is calculated and paid by the DIA in rubles at the rate set by the Bank of Russia on the day the insured event occurs.
You can check whether the institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and the DIA (www.asv.org.ru), as well as for free hotline DIA 8-800-200-08-05.
Conclusion: deposits with a monthly interest payment or capitalization?
Deposits with monthly interest accrual can be of two types: with capitalization or payment of income to a separate account.
✓ Deposits with capitalization are advantageous in that their real profitability is higher due to the constant increase in the deposit amount due to interest calculation.
✓ A monthly interest payment is required for those who plan to spend income from a deposit. This is an alternative to obtaining passive rental income. As a rule, money is transferred to a separate account or card in order to make it convenient to withdraw money, says Viktor Davidenko, an expert on deposit programs.
Note that the above conditions and interest rates of deposits for individuals are not a public offer, and cannot serve as an indication for choosing a specific deposit. This list is not a basis for unambiguous conclusions about reliability and (or) financial soundness specified banks. The editors of the site do not bear any responsibility for the consequences of any interpretation of this review and decisions made on its basis.
Content
To be able to make good money is a great art, but more importantly, save it and increase it. Hidden in a secret place, paper money depreciates over time and loses its purchasing power. Investors with experience know that for the growth of savings, it is necessary to create a portfolio of investments. Money should be placed in different financial institutions for various deposit programs and interest, and in such operations the most profitable contribution is accompanied by increased risks.
What does a profitable bank deposit mean for individuals?
A large assortment of deposit offers and stocks, a difference in interest rates, parameters and terms of placement, should not distract from the main task to maintain their savings. In order to choose the most profitable contribution, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, the period of capitalization and the possibility of replenishing the deposit account. Many investors require the freedom to withdraw their funds at a convenient time for them.
The purpose of the deposit
For the right selection of the deposit program, decide on the amount you want to invest, and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity for a banking institution to plan its credit and financial operations for the same long periods.
How to choose the most profitable deposit
An insurance program is in place to protect citizens' money bank deposits. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the deposit problem by a large amount. The population of the country, workers and retirees have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.
Deposit Interest Rates
After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final remuneration. The resulting, or effective interest rate, taking into account the additional payment of cash, commissions differs from the nominal. Large financial institutions do not offer the highest profitability, as they guarantee reliability at large amounts ruble and foreign currency deposits. Smaller ones, increase rates, introduce attractive conditions for capitalization, replenishment, try to attract investors.
Interest capitalization
Suppose you made your first deposit for 3 months. After this period, 0.25 of the annual interest rate on the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave total amount money for the next 3 months. This process is called capitalization of profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit term. The capitalization period varies from 1 month to the full deposit period.
Deposit amount
Russian law does not limit the minimum and maximum amounts attachments. For small deposits, the calculation should use the amount of compensation for their insurance. The likelihood of bank failures during the era of the global global crisis remains high. At large amounts investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entering the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.
Deposit currency
One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest rates. Dollar and Euro more stable currencies are attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available currency programs.
Possibility to replenish deposit
Some profitable deposit agreements make it possible to replenish your account at any time. There are programs in which you can add funds only after a certain period of time. The deposit account replenishment scheme is a quarterly table in which the change in the interest rate is described. This change looks like a ladder with a step of 0.5-1% with the highest rate in the 1st quarter and the smallest in the last. A prohibition on replenishment in recent months is common.
Interest withdrawal
The deposit term specified in the deposit contract determines the time after which the depositor has the opportunity to access his deposit account and dispose of the money at its discretion. In the case of monthly capitalization of interest, their withdrawal will impede the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which with a face value of 100 million rubles or more bring 7.2% income.
Where to open a deposit at a high percentage
|
Name |
Program |
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|
"Savings account" |
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|
Russian Agricultural Bank |
"Investment" |
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"Maximum Online" |
|||
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Moscow credit bank |
“All inclusive - maximum income online” |
||
|
Opening |
"Extra bonus" |
||
|
Promsvyazbank |
“My income (online)” |
||
|
Gazprombank |
"Perspective" |
||
|
Alfa Bank |
“Accumulator” on demand |
||
|
Sberbank |
“Save OnL @ yn” |
Which bank is the most profitable on deposits
A study of our experts showed that a large percentage of deposits is offered by Development Bank. The rate for ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalized at the end of the term with the possibility of replenishment. Attractive annual rate in other currencies. With an amount of more than 5 million dollars or euros, the rate is 7%.
The highest interest on deposits today
The table shows the beneficial deposits of Russian banks.
|
Name |
Program |
||
|
"Your retirement" effective rate |
From 31 to 744 days |
||
|
Rocketbank |
Early termination rate 0.1% per annum |
||
|
Sovcombank |
"Maximum income" for a period of 90 to 181 days |
||
|
Crocus Bank |
“Urgent-360 (% at the end of the term)” |
||
|
Confidentiality |
"Golden time!" replenishment of 90 days |
||
|
Orient Express Bank |
"VIP deposit" monthly interest |
||
|
“Deposit No. 1” with capitalization |
Up to 735 days |
||
|
Baltinvestbank St. Petersburg |
"Absolute CHAMPION +" |
272-366 days |
|
|
Master Capital Bank |
"Savings" |
From 30,000 rub. |
|
|
Bank Zenit |
Urgent Premium |
From 5 million rubles. |
Profitable deposits in rubles
Given the accessibility for most depositors, the Asia-Pacific Bank offers the most profitable deposit. When entering from 125 thousand rubles under the Future and Investment programs, the rate is 10.5%. The second most popular Katyusha program provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The Inbank maximum deposit will bring 9.38% per year for periods ranging from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum deposit amount of 50,000 rubles.
To choose the most profitable contribution and the right investment strategy, you should turn to experienced investors. Managers of financial institutions will not be able to help you choose the most profitable contribution. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate is different from the nominal and advertising offers. It is necessary in the calculations to take into account additional bank fees for transferring money to accounts, conversions.
It is worth considering the possibility of investing part of the available funds in different currenciesin gold and others precious metals. IN last years, The largest banking institutions in the world choose cryptocurrency Bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior, and teach you to choose the right strategy and tactics of use. financial resources to create passive income, they will show new areas of asset acquisition and the most profitable contribution.
Profitable deposits in foreign currency
We have considered the most profitable foreign currency deposit from Development Bank, but deposits with high interest rates are offered to large investors. The average currency yield on banks in Russia varies from 1 to 2% per annum. Given the factors of reliability, prevalence, availability, the most profitable deposit from Alfa Bank Pobeda + is attractive, with a rate of 1.97% per annum in dollars.
Effective deposit income rates for the dollar are higher than when using the euro. European currency under the influence of the geopolitical problems of Europe, recent years has shown its instability. The ongoing change in the political elites of the European continent, new president The USA, the growing tension between the superpowers, the prospect of several countries leaving the European Union, do not add euro stability and prospects for investors.
Deposits in Moscow banks at the maximum percentage
The best deposit rates are offered by Moscow banks. BCS, with amounts ranging from 500,000 to 1,000,000 for clients who have concluded the UKBO in divisions located in Moscow, has launched the Super Deposit program of the most profitable deposit with an annual yield of 9.3%. Absolut Bank with a Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its deposit "Urgent" with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.
The Ural Interregional Bank offers to deposit from 10,000 rubles on the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate on the program "Maximum Online" from the Dolinsk Bank is from 7.35%. Center-invest Bank has a project “Urgent for 1 year with auto-prolongation” at 8.3% of 15 million rubles. “Own people” in the National Bank “Trust” will receive 8.85%.
The deposit “Maximum Interest (Online)” of BinBank provides for a rate of 8.5% of the six months, but with interest paid at the end of the term. Under the All-Inclusive - Maximum Online Income program, Moscow Credit Bank charges 7.75% on cash contributions of 185 days with monthly capitalization. Credit Europe Bank offers a deposit “Optimal +” at 8.75% with a monthly payment of income, and “Rentier” at 8.6%.
Starting June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with a rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are income payment and capitalization on a quarterly basis, preferential termination, replenishment with periods with a “ladder” yield of 9.5 to 7%. The “Success Maximum Tradition” offered by Promsvyazbank provides an income of 8.8% per annum in rubles. Investment deposit will bring 8.6% for periods of 180 days with replenishment, capitalization and preferential termination.
Video
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Which bank has the most favorable conditions for deposits and high percent from deposit
The largest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.
Bank deposits for individuals today are one of the most affordable savings investment tools. Opening a deposit, you keep your money in a safe place, you do not receive big income, and also have quick access to them if necessary.
Most deposits, which are issued at the maximum interest, have common features. They cannot be replenished; partial withdrawal of money without loss of interest is also prohibited. The exception is short-term deposits for a period of 1-3 months. But they, in general, are not fixed-term deposits, but accumulative accounts with no time limit on investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage that the bank offers. Below are the most profitable deposits today for individuals in Russian banks from the top 10, as well as their breakdown by time:
- 1 month;
- 3 months;
- 6 months (half a year);
- 1 year (12 months).
Deposits with the highest interest rates today
Thinking where to invest money in 2020, so that it works, many wonder: which bank has the largest percentage of deposits today. But, when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.
Deposit calculator
Deposits at the maximum percentage in the banks of the top 10
“Favorable approach”
ICD
| 7,3%
rate | from 50 000 the amount | 375 days term |
For those who open IIS
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity
"Takeoff" 
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100 000 | 368 - 1800 days |
Making a living room or housing estate
No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3 000 | 31 days - 3 years |
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity
Reliable Promo
FC Discovery
up to 5.5% | 750 000 | 1 year |
No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100 000 | 122 - 731 days |
Replenishment
No partial withdrawal
End-cap capitalization
Interest at maturity
“150 years of reliability”
before 5,1%
| from 500 000 | 3 - 36 months |
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity
"For savings"
Gazprombank
up to 5% | from 15 000 | 3 months - 3 years |
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity
"Growth Time"
VTB Bank
up to 5.0% | from 30 000 | 180 - 380 days |
No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly
Victory +
up to 4.92% | from 10 000 | 92 days - 3 g. |
No replenishment
No partial withdrawal
Capitalization
Interest monthly
“Save”
up to 4.54% | from 1,000 | 1 month - 3 g. |
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity
Deposits at the maximum interest for 1 month
Deposits at the maximum interest for 3 months
Bank / Deposit |
|
| 7% | "Takeoff" |
| 5,32% | Gazprombank "Savings account" |
| 5,27% | "In reserve" |
| 5,22% | FC Discovery "My piggy bank" |
| 5,02% | "Savings account" |
| 5% | Credit Bank of Moscow All Inclusive Maximum Income |
| 4,82% | Victory + Premium |
| 4,51% | VTB "Money box" |
| 3,96% | “Save” |
| 3,81% | UniCredit Bank First Class |
Deposits at high interest for 6 months
Deposits at a high interest rate for 1 year
If you need to collect all the money from the deposit before the deadline, you can do this at any time. However, interest will most likely not be accrued!
How much is the most safe way to open deposits?
According to Russian law, deposits of up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In case of withdrawal of a license from such a bank, the Deposit Insurance Agency through agent banks fulfills obligations to its depositors within established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.
In short, if you invest less than 1,400,000 rubles, then you can choose the largest percentage of deposits in banks - if the license is withdrawn, of course, you have to be nervous, but the money will still be returned.
A refund of more than the specified amount is not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you take on increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data are presented for informational purposes only, are not a public offer.
A bank deposit is an opportunity to earn on interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe profitable investment money for each of them depends on the depositor's attitude to the reliability of the bank, auto-prolongation, capitalization and other conditions. The best interest rates on deposits, as a rule, involve risks and some inconvenience for the depositor.
This page contains banks offering maximum interest rates on deposits. To get to know best deals and with programs in more detail, click the "Issue" button - you will be redirected to the bank's website.
Creditznatok is a service that allows you to select deposits with a maximum interest rate or the most favorable conditions, 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 percentage on deposits in Moscow and you can now profitably manage your money.
Analysis of profitable offers
Proposals providing for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated in relation to the new increased amount. Among the best profitable offers, you can also highlight:
- not allowing replenishment and partial withdrawal of funds;
- not allowing the withdrawal of income before the expiration of the contract;
- promotional offers of banks dedicated to memorable dates.
Fixed-term deposits at the highest interest can also be found among currency products: the interest rate here is lower than that of ruble ones, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in a different currency.
Profitable deposits at a high percentage are easier to find in less hyped small banks. Having an impeccable reputation, large banks don't need the most high ratesto attract investors - many of them choose reliability and stability instead of fast money. Additional advantages - convenient Internet banking, bonus programs, the presence of ATMs not only in Moscow, but even in small towns.
We have collected on this page banks that offer the largest income and allow you to profitably invest. You can choose a suitable bank according to several criteria: high income, maturity, deposit amount, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail the need to pay a tax of 35% on the difference between the percentages.
To find out more, click on the “Apply” button: get all the necessary information and fill out the application on the bank’s website. Look for profitable offer together with Creditznatok!
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