Favorable cash deposits. In which bank, the most favorable conditions on deposits and a high percentage of the deposit. Analysis of profitable offers

Content

Keep money in Sberkasse if you have them! Quote from Comedy Gaiday is relevant now. Interest rates on deposits in banks are high today, so that people can benefit money on the deposit, without worrying about inflation. Buy real estate is now not too favorable investment, foreign currency is periodically cheaper in relation to the ruble, but to store bills of houses is dangerous. It is reasonable to contact the bank and try to accommodate the accumulated funds there.

Rates on deposits of individuals

Recent polls show: more than half of Russians believe that money is better to save in a bank, on a deposit or accumulative account. The credibility of financial institutions gradually increases, people from the experience of previous years prefer to postpone the surplus. Each bank offers its decision, however, there is a concept of a middle rate of a banking interest, which is established by the Central Bank:

• The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or deprivation of a license. Other indicators are tracked.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the past 2016.
• The state is following that the institutions do not exceed this value more than 2 points - it threatens them with fines, an additional audit and an increase in insurance premiums. According to this principle, the state controls the banking market without allowing credit institutions to risk customer money.

Interest on pension deposits

Pensioners as clients are all glad, it is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with the replenishment function, which is a certain analogue of the savings account, but with a much higher interest rate. Pensioners are invited to use different types of deposits with minimal initial sum.

Sberbank pleases pensioners favorable conditions - interest does not depend on the deposit value, it is possible to replenish online. "Pension plus" is a replenished deposit for 3 years, 3.5% per annum, "preserve" - \u200b\u200bunrefined, the rate is 5.6% (when opening an account online - up to 6.13%), "replenish" - 5.12% ( Online - 5.63%). There is a "pension" - 8.3% a year from MDM Bank, Home Credit Bank offers "Pension - 7.75%.

Interest on ruble deposits

The main share of bank deposits is ruble investments. Choosing where to invest money should not look for high interest rates in banks on ruble deposits that are offered managers of small organizations. Large financial institutions offer profits around 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but the minimum amount begins from 1000 rubles.
• VTB24 offers to open a deposit with margin up to 11% per annum, but without the function of removal or replenishment.
• Alpha Bank also holds a bar in an area of \u200b\u200b9-10% on three-year accounts.

Currency deposit rates

Although the euro is considered a more reliable currency, the situation with foreign exchange investments is not too different from the trends for ruble deposits. Interest rates on currency deposits in banks fluctuate from 1.5 to 3.5% per annum, and again the promoted players are in no hurry to make high interest on multicurrency accounts. Want to work out - take advantage of some regional financial institutions, but together with the growth of the percentage, the risk increases with their license.

Interest rates on deposits in Moscow banks

The bank should not only offer profits, but also be stable. Interest rates on the deposits of Moscow banks are constantly analyzed and the results of the top 10 of profitable proposals are drawn up. They take into account the rating of credit contracts, profitability and net assets, which gives an idea of \u200b\u200btheir reliability level. Do not forget that rates on deposits in Moscow depend on the term and its magnitude.

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 establishment of the Moscow Credit Bank;
• "Financial Protection", in Euro, 3.5% - Promsvyazbank;
• "For life", in euros, 3% - UniCredit Bank;
• "Tradition of success", in euros, 2.5% - Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today quite differ. What does it depend on? Experts identify several reasons that can determine high interest rates on deposits in banks:

• the intensity of issuing loans that make up the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in interest rate;
• deposits with complex interest initially offer smaller profits than with a simple bet.

Large players in the financial market are not stimulated by profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely above 8.5-9%. People understand that the overestimated income parameters are more reluctant than attract. Want to win percentage - look for an institution with deposit insurance system. In the case of a license or bankruptcy revocation, the state undertakes to return to customers of the amount up to 1400,000 rubles.

Interest rates of reliable banks

What bank is considered reliable? Everyone knows about the sharks of the banking business: they are so on hearing. Is it possible to find high interest rates in reliable banks of Russia outside the "big triple" - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, while it is taken into account:

• analysis of the work of the credit institution by the Central Bank, while the value of its own capital is taken into account;
• customer reviews about the work of the institution;
• check organizations with special agencies.

The approximate list of deposits with good interest from recognized reliable banks looks like this year:

• "Magnus" - 8% a year from Jay Endi Bank;
• "Solid percentage" - 8% of 3 months. Promsvyazbank;
• "Prime" - 8.13% - 3 months old from UniCreditbank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Perspective" - \u200b\u200bup to 8.1% with deadlines from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits, the most profitable interest rates on deposits in the banks of Russia - in unrefined deposits for a period of six months and higher. Interesting offers of small banks that are actively trying to attract new customers:

• "Solid" - 10.5% of 550 days from Gaztransbank;
• "Maximum" - 10.5% of 9 to 36 months, Bank "Dolinsk";
• "Loyalty to premium traditions" - 10.25% (amount from 2,000,000 rubles. For 1 year from Alef-Bank;
• "In Euro Call" - 10% a year from Binbank Capital;
• "Safe" - 10% a year from the bank "Interaction".

Rates on deposits in Sberbank for today

Middle rarely exceed 8%, which is compensated by reliability, widespread in the Russian Federation and quality of service.

• "Generations memory" - the minimum deposit is 10,000 rubles. The rate of bet is 6.4-7%, and part of the profit is transferred to the Assistance Fund for Military Veterans.
• "Save online" - can be done in any currency. A small minimum amount is only 1000 p. - makes it available to any layers of the population. The maximum income percentage is 6.13 in rubles and 1.06 in dollars.

More Popular offers:

• "Manage!" - Replenished, it is possible to arrange it online. Percentages range from 3 to 5.85.
• "Give life" - partially income sacrifice to the same name. Term - 1 year, rate - 5.3%, without replenishment.
• "Savings" - a common account with a minimum percentage of 2.3 per annum. There are replenishments and early removal.
• "Savings Certificate" is a favorable offer with an income of 8.45% per annum. Feature - no deposit insurance system.

Bank VTB 24.

This bank has a share of state money, so reliability is quite justified. The percentage of deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profits - 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 above, the percentage - up to 6.95, there is a capitalization of income;
• "Comfortable" - 5.35% (when ordering 5.5%) - the period from six months, the minimum amount is from 200,000 rubles, there is a possibility of partial removal.

Rosselkhozbank Russia

Possesses Rosselkhozbank as "People's Bank" with advantageous offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank fluctuate from 6 to 9% depending on the duration and size:

• "Investment" - from 50,000 r., 8.75%, payment of profits - at the end of the term (half a year, 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 7.95% per annum, interest payment - to choose from, minimum amount - 3000 p.

Contribution to Alpha Bank

The interest rate of the contribution to the Alpha Bank is comparable to competitors, but the popularity of financial institution is great. Now customers are offered:

• "Life line +" - a deposit for a year with complex interest (up to 7.1) and the minimum amount of 50,000 p.;
• "Victory +" is a contribution for half a year to 7.3% and the deposit amount of 50000 p.;
• "Potential +" - with a high minimum amount of 500,000,000 and profit of 6.4%, period - 245 days;
• "Premier +" - for half a year, 6.8% with the amount of 5 million rubles (payment of profits - upon completion of the contract).

Bank mail

"Mail Bank" appeared on the Russian financial market quite recently, and until 2016, he was called "Summer-Bank" and was a subsidiary of a large credit player VTB24. Last year, all the offices "Summer-Bank" closed, and customers were surprised to find what was serviced in the "Mail-Bank". Aggressive advertising company involving famous actors does its job, the bank constantly calls to take advantage of its services for investment of accumulated funds.

It is proposed to choose the following deposit rates in the post office by the Bank, and all deposits are subject to insurance:

• "Seasonal" - for a year with the amount of accommodation from 50,000 rubles. The rate of 8.25% with the payment of profits after the expiration of the term, retirees receive 8.5% per annum.
• "Capital" - for six months or a year to 8.25% plus a card as a gift.
• "Cumulative" - \u200b\u200ba replenished deposit up to 7.5% and the minimum amount of 5000 rubles. Perhaps early closure and capitalization of percent times in a quarter.
• "Profitable" - annual deposit from 7.75% per annum and amount from 500,000 rubles., Card or Personal Account go as a gift.

Rating of banks on interest rate on deposits

The best interest rates on deposits this year guarantee small credit organizations that need to attract the maximum number of new customers. It is worth noting that high interest rates on deposits in banks today are not offered leaders among credit institutions, but to decide which option is more important - profit or reliability - only the client. Almost all banks operating in the territory of the Russian Federation, who will be expensive to reputation, participate in the deposit insurance system (now the maximum amount to return is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Bank's name		Interest		Deposit conditions
Baltinvestbank				There is no replenishment, paying percent at the end, there is no early removal.
Russian standard	Maximum percentage			Payment of profits at the end, without replenishment and early removal.
Mosoblbank	Personal			Monthly payment of profits, replenished, without removal.
	Fixed income			Replenished (if specified in advance, with a preferential commission on early removal), the payment of profits every month.
	Maximum percentage			Payment at the end of the year, replenishment is, removing the money before the end of the term is impossible.

Video: interest rates on deposits in 2019

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Discuss

Wanting to get stable, although small income, citizens who have certain accumulations, are increasingly trying to discover contributions in various banks. For most depositors, the most important indicator, when choosing a cumulative program, is the interest rate. However, there are several more weighty nuances, which is worth paying attention to when choosing a deposit product. About what to pay attention to, and in which bank, we will tell high interest on deposits in our article.

It so happened that most depositors, when choosing a deposit program, make focus on the interest rate. And this is the biggest mistake. But what about reliability? The biggest percentage usually promise new banks or those who have huge problems and urgently need to attract new customers. As practice shows, they quickly ruin, leaving their depositors without promoted income and without their own savings too.

It is for this reason that the first thing to pay attention to the client is the reliability of the bank. Reliability is checked by the stability of the financial institution, warranty of payments on deposit operations, as well as leadership in the banking services market. As a rule, it is large banks that are coping with all crisis situations for many years, they are rightfully becoming the most popular among the population.

Of course, you have to pay for security. Therefore, the interest rate in reliable banks is an order of magnitude lower than in some banks, but also the likelihood of obtaining the planned income increases at times.

Important! An additional guarantee is state support for those banks that participate in the Deposit Insurance Program. According to it, all contributions, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of bankruptcy of the bank. Consequently, the first thing, when choosing a bank, the deposit should be paid attention to the presence of a state insurance license from the Deposit License Bank.

Additional criteria

With reliability figured out, now we will define what else to consider when choosing a contribution.

1. Interest. For some, this indicator will stand in the first place, but it is still better to consider it after the choice of the most reliable bank. Thus, among the leaders of the financial services market, there are not so few banks who are ready to offer their depositors a fairly profitable contribution. A good interest rate on today fluctuates in the limit of 8-8.3%. Of course, you can find interest and boost, but also conditions may be too tough for those who want to invest.
2. The possibility of early partial or complete removal of money. This is another factor that needs to immediately take into account. As a rule, the most popular contributions provide for the term of the contract from six months to a year. This is the most profitable and not too long programs, because there are always risks of the decline in the economy and the unexpected bankruptcy of the bank. However, there are cases that there is no opportunity to wait for the expiration of the deposit period, and we need money right now, then you need to clarify whether you have the opportunity to pick up your blood on my first requirement:

   Important! It is also worth paying attention to the amount of missed benefits in case of early closure of the contribution contract. After all, some banks are practically completely taken by accumulated interest, even if the contribution has taken out almost all of the agreed period.

3. Capitalization of profits. Another important indicator is the possibility of capitalization of the income received. That is, the contract may be provided for automatic combination of the principal amount of the contribution with the time percent, and the accrual of the following percentages already taking into account the increase in the size of the main contribution. This is quite advantageous, however, most often, such contributions are not distinguished by worthy interest rates or there is a step of step accrual interest. With this option, interest will gradually decrease, with an increase in the principal amount of the contribution.
4. Deadline for deposit. This factor is also weighing, because often, banks offer very decent interest only for short-term deposits. For deposits with a period of year, the percentage becomes slightly lower.
5. Mandatory input amount. Most depositors are confident that they can put in interest any amount available to them. However, this is not the case. Of course, there are banks that are completely unimportant to the size of your savings you want to put in interest, but most of the contribution threshold value. And than this amount is more, the more percentage you can be offered. The reason is that the more the influx of depositors, the greater the possibilities of the bank to turn the money from him. Accordingly, their profits depend on it.

What banks are the highest percentages?

So, as we have already decided, the most important factors when choosing a deposit program are the reliability of the bank and the interest rate. We will not compare interest from banks with dubious reputations that simply want to attract customers as much as possible. Of course, in such financial institutions you can see a bet and under 15% per annum. But are you sure that the bank does not fall apart until the time comes to pick up accumulated interest? Do you risk staying completely without money?

№	Bank and program	Percentage rate	Decitation term	Deposit size	Currency
1	Opening "High Percentage"	to 10%	1 year	from 50 thousand	not provided
	- The less time, the more percentage: 3 months. - 10%, 6 months. - 8%, 9 months. - 6%, 12 months. - five%; - the deposit can not be replenished; - interest is paid after the completion of the contract; - after the end of the contract, if the contribution is not was issued, it is prolonged under the conditions of the contribution "main income".
2	VTB 24 "Cumulative Account"	up to 8.5% basic; up to 10% with multiferous VTB	1 year	any amount	not provided
	- When you open the multicarter and connectivity "Savings" can be obtained an increased percentage provided settlement of the design card; - Cumulative account can be replenished and removed percent losses; - the more spent on the map, the more the increase will be rates.
3	NS Bank "Investment"	9%	6 months	from 100 thousand to 10 million rubles.	not provided
	- interest can only be obtained at the end of the term contracts; - The contribution is intended for customers issued by the policy of saint or NSG.
4	Gazprombank "Saving and Protection"	6,7-8,8%	3.6, 12 months	from 50 thousand rubles.	not provided
	- interest paid at the end of the term; - the deposit cannot be prolonged; - The smaller the deposit period is the higher the percentage.
5	Sovcombank "Maximum Income"	6,9-8,6%	from 1 month. up to 3 years	from 30 thousand rubles.	not provided
	- The maximum rate is established in the case of regular Using Halva Card with Monthly Shopping Amount from 5 thousand roubles.; - the deposit is provided; - interest are accrued only at the end of the term, including Additional 0.5% per halave calculations.
6	BINBANK "Maximum percentage"	from 7.05 to 8.3%	from 3 to 24 months.	from 10 thousand to 30 million rubles.	-dollar (from 300 at a rate of 0.55-1.65%); - Euro (from 300 at a rate of 0.25-0.8%).
	- All percentages can be obtained only at the end of the term; - Possible prolongation of the deposit; - when opening a contribution in rubles an additional Increased percent for pensioners (+ 0.15%) and raising Rates by 0.3% when using an online application.
7	Promsvyazbank "My Income"	8,1-8,3%	3-12 months.	from 100 thousand rubles.	-dollar (from 1 thousand at a rate of 1.2-2.85%); - Euro (from 1 thousand at a rate of 0.5-1.2%).
	- the possibility of early termination of the contract with a preferential rate; - Possible prolongation of the contract in an automatic order (not more than 3 times); - Percentages are paid at the end of the term.
8	Rosselkhozbank "Investment"	7,8-8,05%	6, 12 months.	from 50 thousand rubles.	- Dollar (from 1 thousand at the rate of 1.4 to 2.4%).
	- the contribution opens for a period of 180 or 395 days; - the contribution can be opened along with the acquisition of the share; - interest is paid at the end of the deposit period operations; - no deposit size limit value; - in case of early termination of the agreement interest paid according to the agreed rate rate; - The contribution of prolongation is not subject to.
9	VTB "Maximum Income"	3,24-7,14%	from 3 months. up to 3 years	from 1 thousand rubles.	-dollar (from 100 at a rate of 0.4-1.74%); - Euro (from 100 at a rate of 0.01%).
	- the less time - the more percentage; - To replenish or remove money, it is impossible ahead of time; - interest will be counted at the end of the term; - Possible capitalization of interest.
10	Sberbank "Just 7%"	7%	5 months.	from 100 thousand rubles.	not provided
	- You can open only yourself: through an ATM, online bank or mobile application; - interest will be paid to the account after the expiration of the term; - Possible prolongation, but on the conditions of connecting the contribution "Poste restante"; - Through the office of the bank, the rate is set 6.5%.

As can be seen who wants to invest their own money under great interest will have to seriously search for the most relevant proposals. Of course, in addition to the proposed options, there are still many offers from various banks, and sometimes they may be more attractive. Special attention should be paid to short-term promotions. For example, during the New Year holidays, many banks have acted with promotional proposals with very attractive interest rates.

Important moment! As a rule, most banks are ready to offer a maximum interest rate only with a short-term investment of money on a deposit account. However, you should not chase a little benefit, it is possible to better choose a loan with a smaller rate, but on more favorable terms of accommodation and with smaller commission costs.

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 of a debit card of the 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. The number of available contributions is 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 rates when opening online, the Bank enters the deposit insurance system, a 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 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 of the 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. In simple language, it 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 acts such a condition: for a person who will discovery to a certain amount, preferential conditions for mortgage lending will operate. 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 help a 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 consists only about this, you better use another 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. The amount in this case will be calculated by this course, which 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 this year, bank organizations lowered rates on deposits due to the fact that insurance rates increased. So, the high level of 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 a simple method of accrual%, they are not added to the amount of the deposit, but list the depositor to 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 begins insurance payments 14 days after the license revocation with your bank. And during this time, the currency rate can grow, so you can lose some amount.

What are the risks of the depositors

This is an important question that cannot 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 occurs if you are developing an agreement on an 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 a banking organization with a statement of insurance compensation by 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, our dear readers, now you know how to choose a suitable bank and discover contributions. 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.

Bank deposit is an opportunity to earn a percentage by investing your money to the bank for a certain period. None of the programs cannot be called a universal - a recipe for profitable investment of money for each of its own and depends on the relationship of the contributor to the reliability of the bank, autoprolonation, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the contributor.

On this page there are banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the "Establish" button - you will go to the Bank's website.

"Creditznatok" is a service that allows you to select contributions with the maximum interest rate or the most favorable conditions taking into account the diversity of proposals. Regardless of what is important to you - the flexibility of the conditions, the presence of capitalization or maximum income - here you will find the highest percentage on deposits in Moscow and can now benefit your money now.

Analysis of profitable offers

Proposals providing for the possibility of capitalization allow the most beneficial to invest. Revenues are accrued every month, and in the next period the percentage is calculated with respect to a new enlarged amount. Among the best profitable offers can also be allocated:

• not allowing replenishment and partial removal of funds;
• preventing income to the end of the contract;
• promotional proposals of banks dedicated to commemorative dates.

Urgent deposits under the highest percentage can also be found among currency products: the interest rate is lower here than from ruble, but the optional is very wide and flexible. You can open an account not only in dollars and euros, but also in other currency.

Favorable deposits under a high percentage is easier to find in less promoted small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability instead of rapid money. Additional advantages are convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small settlements.

We have gathered on this page banks offering the largest income and allowing favorably to invest. You can choose a suitable bank in several criteria: large income, term, deposit size, currency. It should be remembered that a big bet exceeding the refinancing rate by 5 points will entail the need to pay for tax in the amount of 35% on the difference between percentages.

To learn more, click the "Proceed" button: Get all the necessary information and fill out the application on the Bank's website. Look for profitable offers with "Creditznatok"!

All banks are interested in attracting as many cash contributors to their accounts. For this purpose, a wide range of deposits appears. High percentages are not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and think about the further use of the contribution.

In this article:

Choose the contribution to the correct

For all differences, deposits can be divided into three groups, depending on the possibilities of account management: profitable (without the possibility of replenishing and removing money), replenished and with the possibility of using funds.

Choose the highest percentage easily, and what to do if the money urgently need? Here, accumulative programs come to the rescue with the right of partial / complete removal of money. Cashing some of the money, the client does not close the contribution, and in some cases does not even lose interest.

In the presence of free funds, income can be multiplied by increasing the deposit amount, thanks to the right to replenish it. Standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions - to capitalize interest from month to month to the end of the term of the contract without the opportunity to manage and use the funds to use. Standard deposits have the highest yield depending on the deposit amount and attachment time.

Terms of deposits in various banks are relatively equal:

• You need to choose a specific offer.
• Make the amount not lower than the minimum designated.
• Present a document certifying personality.

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

Profitable contributions

• Bank of Moscow "Right answer"

Interest rates up to 11% in rubles.

Contribution - from 100 thousand rubles.

• Binbank

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

• Promscape Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% per 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% per 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% per US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles., 1500 $ and 1500 €.

• VTB 24 "profitable"

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

Deposit Calculator

Summa contribution

Interest rate (%)

Deposit term (month)

Monthly interest

Reinvest are removed

• Gazprombank "Perspective"

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

Replenished contributions

• Bank Trust "Cumulative"

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

• Promsvyazk Bank "Maximum Opportunities"

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

• Gazprombank "Cumulative"

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

• VTB 24 "Cumulative"

Interest rates up to 8% in rubles, 1.85% per 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% per US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles., 3000 $ and 3000 €.

• Sberbank "Pop up"

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

Depositary with early removal

• Bank Trust "All Inclusive" With the ability to replenish the account

Interest rates up to 10.4% in rubles, 2.35 US dollars, up to 1.4% in euros. Opening - from 30000 rubles., $ 500 and 500 €.

• Gazprombank. Product "Dynamic" It has an additional opportunity to replenish deposits.

Interest rates up to 8.7% in rubles, 0.95% per 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% per US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

• UniCredit Bank. Contribution "Universal" Allows you to replenish your account.

Interest rates up to 7.5% in rubles, 0.25% per 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 US dollars, up to 0.35% in euros. Opening - from 30000 rubles., 1000 $ and 1000 €.

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