Favorable deposits in the year. In which bank to discover the contribution to the high percentage? Best deposits in dollars

Passive income is a pleasant salary bonus. There are many places where people often invest in the hope of creating: a game in the foreign exchange market, deposits in cryptocurrencies, investment in companies and another. But these methods do not guarantee the result. Attaching money on any purpose, you should be aware of the risks and be ready for the defeat and loss of finance.

The least risky way to increase profits on an ongoing basis is a bank deposit. The individual provides its savings to the bank, for which the bank monthly or annually pays a certain percentage of the embedded amount.

The best interest on deposits in banks

Trust Finance should only be reliable structures. This is one of the main criteria, according to which the depositors choose the bank. Nowadays, bank crises are not uncommon. It is good to have confidence that your bank will not collapse during the next strip of financial difficulties.

The second important parameter becomes the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that not only a high percentage, but also comfortable accompanying conditions for the contributor. Passively accumulated funds can be subsequently multiplied by starting.

To combine the reliability of the bank and profitability, we have compiled a current list of the most profitable contributions.

"My income" (Promsvyazbank)

Conditions:

• currency - rubles;
• the minimum amount is 100,000 rubles;
• terms and interest:
  • for 91 days - 6.6%;
  • for 181 days - 6.7%;
  • 367 days - 6.7%.

Among the bank programs, this deposit has a maximum interest rate. If the client wishes to terminate the contract before the term, preferential conditions will make the process rapidly and with minimal losses. To take part of the money or replenish the deposit amount during its action.

Interest is paid at the end of the agreed period at the same expense on which the initial contribution is posted. If you close a deposit later than the deadline, only half of the accumulated interest will be paid, so observe punctuality. To open a deposit, contact either the local Promsvyazbank office, or in the PSB-Retail available on the Internet.

"Maximum Income" (Moscow Credit Bank)

Conditions:

• the minimum amount is 1000 rubles; 100 US dollars; 100 euro;
• terms and interest for deposits in rubles:
  • 95 days - 5.75%;
  • 185 days - 6.25%;
  • 370 days - 6.75%.
• • 95 days - 0.75%;
  • 185 days - 1.10%;
  • 370 days - 1.45%.
• • 95 days - 0.01%;
  • 185 days - 0.20%;
  • 370 days - 0.55%.

According to the primary agreement, interest is paid at the end of the term. However, the Bank has created the ability to connect additional options. So, the depositor can partially shoot invested funds, replenish the score, as well as require percentage monthly. To connect one or more services described, an additional contract should be concluded.

In the presence of additional conditions, percentages are provided. If the client has an annual program "Service Package", deposits in rubles will add 0.25%, and in foreign currency - 0.15%. The same amount of allowances are possible if the contribution is not in the bank office, but in the ICD online or in the ICD terminal. If you do not close the deposit on time, its action is extended automatically by increasing. And after the unclosed year, another 95 days will be added.

"Maximum Income" (Sovcombank)

Conditions:

• currency - rubles, Euro dollars;
• the minimum amount is 30000 rubles; 5000 US dollars; 5000 euros;
• terms and interest when opening a ruble contribution in the office for up to 1 year:
  • when terminated for 31-90 days - 6.6 / 7.6% (Map "Halva");
  • when terminated for 91-180 days - 7.0 / 8.0% (Map "Halva");
  • during termination within 181-270 days - 6.6 / 7.6% ("Halva");
  • during termination within 271-365 days - 6.6 / 7.6% ("Halva").
• terms and interest when opening a ruble contribution in the office for up to 3 years:
  • when terminated to 90 days - 6.8 / 7.8% (Map "Halva");
  • when terminated to 180 days - 7.2 / 8.2% (Map "Halva");
  • when terminated to 365 days - 6.8 / 7.8% (Map "Halva");
  • when terminated to 730 days - 6.0 / 7.0,% (Map "Halva");
  • when terminated to 1095 days - 6.0 / 7.0% (Map "Halva").
• terms and interest when opening a ruble contribution through an Internet bank for up to 1 year:
  • during termination for 31-90 days - 6.6%;
  • during termination within 91-180 days - 7.0%;
  • when terminated for 181-270 days - 6.6%;
  • during termination within 271-365 days - 6.6%.
• terms and interest when opening currency deposits:
  • in US dollars at 271-365 days - 1.55%;
  • in US dollars for 1095 days - 3.00%;
  • eURO by 271-365 days - 1.00%.

It is impossible to partially remove the funds, but it is allowed to replenish the score. Minimum deposit amounts - 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit period.

"Reliable" (discovery)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 50,000 rubles; 1000 US dollars; 1000 euros;
• terms and interest:
  • for ruble contributions to 91 or 191 days - 6.42-7.30%;
  • in US dollars for 91 or 181 day - 0.20-0.80%;
  • in euros at 91 or 181 day - 0.10%.

Accumulated interest paid every month. Capitalization is possible: This means that with each new interest accrued, the previous ones are added to the initial amount of the contribution. The rate increases if you own a retirement card of this bank.

"Maximum percentage" (Binbank)

Conditions:

• currency - rubles, dollars, euros;
• deposit period - from 3 months to 2 years;
• the minimum amount is 10,000 rubles; 300 US dollars; 300 euros;
• terms and interest for ruble deposits:
  • when opening in the bank's office - 6.10-7.30%;
  • for individuals (pensioners) - 6.25-7.45%;
  • when opening over the Internet - 6.30-7.50%.
• terms and interest for deposits in US dollars:
  • when opening in the bank's separation - 0.55-1.65%;
  • for individuals (pensioners) - 0.55-1.65%;
  • when opening over the Internet - 0.55-1.65%.
• terms and interest for contributions to euros:
  • when opening in the bank's separation - 0.01%;
  • for individuals (pensioners) - 0.01%;
  • when opening over the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, take part of the money or receive monthly payments. The entire embedded amount together with interest is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

• currency - rubles, dollars;
• dates of opening of the deposit - from 31 to 1460 days;
• the minimum amount is 3000 rubles; 50 US dollars;
• interest rate for ruble deposits - up to 6.70%;
• interest rate for deposits in US dollars - up to 2.45%.

Some of the most comfortable conditions. An individual can receive interest even with small contributions for a short time. To replenish and spend the funds cannot be replenished, but there are several options for percentages: capitalization and monthly conclusion is available.

"Profitable" (VTB 24)

Conditions:

• currency - rubles;
• minimum amount:
  • when opening a contribution online - 30000 rubles;
  • when opening a contribution to the Bank's separation - 100,000 rubles.
• terms and interest when opening a contribution to the Bank's Office:
  • for a period of 3-5 months - 6.20 / 6.23%;
  • for a period of 6 months - 6.20 / 6.28%;
  • for a period of 13-18 months - 5.90 / 6.15%;
  • for a period of 18-24 months - 5.70 / 6.02%;
• terms and interest when opening a contribution online:
  • for a period of 3-5 months - 6.60 / 6.64%;
  • for a period of 6 months - 6.60 / 6.69%;
  • for a period of 6-13 months - 6.15 / 6.23%;
  • for a period of 13-18 months - 6,10 / 6.29%;
  • for a period of 18-24 months - 5.90 / 6.15%;
  • for a period of 24-36 months - 5.70 / 6.02%;
  • for a period of 36-61 month - 3,10 / 3.25%.

In this deposit, increased yield, but when removing funds until the end of the contract, it is lost. Capitalization is possible. If you do not close the deposit on time, its period is automatically extended for the lowest possible time (3 months), but not more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the initial rate. But for this, the deposit period must exceed 181 days.

"Victory +" (Alpha Bank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 10,000 rubles; 500 US dollars; 500 Euro;
• interest rates:
  • in rubles - 5.5-6.23%;
  • in US dollars - 0.35-2.38%;
  • in euro - 0.01-0.20%.

It is impossible to replenish the deposit or partially to take money. Accrued interest are capitalized, but the client loses them in case of early termination of the contract.

"Savings" (Gazprombank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 15,000 rubles; 500 US dollars; 500 Euro;
• deadlines - from 3 months to 1097 days;
• interest rates for ruble deposits:
  • in the amount of from 15,000 to 300,000 rubles - 5.6-5.8%;
  • in the amount of from 300,000 to 1,000,000 rubles - 5.8-6.0%;
  • in the amount of from 1,000,000 rubles - 6.0-6.4%;
• interest rates for deposits in US dollars:
  • in the amount of 500 to 10,000 dollars - 0.30-1.40%;
  • in the amount of 10,000 dollars - 0.40-1.50%;
• interest rates for contributions to euros:
  • in the amount of 500 to 10,000 euros - 0.01%;
  • in the amount of 10,000 euros - 0.01%.

A long time provides for the presence of separate conditions for interest payments. As a result, during the deposit period, over 365 days, interest is paid not at the end of the whole period, but at the end of the calendar year. It is forbidden to replenish the score or remove funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the office of the bank.

"Pour" (Sberbank)

Conditions:

• currency - rubles, dollars;
• the minimum amount is 1000 rubles; 100 US dollars;
• deadlines - from 3 months to 3 years;
• terms and interest rates for ruble deposits when opening through Sberbank online (from 1000 rubles):
  • for 3-6 months - 3.70 / 3.71%;
  • for 6-12 months - 3.80 / 3.83%;
  • for 1-2 years - 3.60 / 3.66%;
  • for 2-3 years - 3.45 / 3.63%;
  • for 3 years - 3.45 / 3.63%.
• terms and interest rates for ruble deposits when opening through Sberbank online (from 100,000 rubles):
  • for 3-6 months - 3.85 / 3.86%;
  • for 6-12 months - 3.95 / 3.98%;
  • for 1-2 years - 3.75 / 3.82%;
  • for 2-3 years - 3.70 / 3.83%;
  • for 3 years - 3.60 / 3.80%.
• terms and interest rates for ruble deposits when opening through Sberbank online (from 400,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75 / 3.96%.
• terms and interest rates for refrigerated contributions when opening through Sberbank online (from 700,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75 / 3.96%.
• terms and interest rates for refrigerated contributions when opening through Sberbank online (from 2,000,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 1000 rubles):
  • for 3-6 months - 3.45 / 3.45%;
  • for 6-12 months - 3.55 / 3.58%;
  • for 1-2 years - 3.55 / 3.58%;
  • for 2-3 years - 3.30 / 3.41%;
  • for 3 years - 3.20 / 3.35%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 100,000 rubles):
  • for 3-6 months - 3.60 / 3.61%;
  • for 6-12 months - 3.70 / 3.73%;
  • for 1-2 years - 3.50 / 3.56%;
  • for 2-3 years - 3.45 / 3.57%;
  • for 3 years - 3.35 / 3.52%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 400,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 700,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 2,000,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 100 dollars):
  • for 3-6 months - 0.25%;
  • for 6-12 months - 0.55%;
  • for 1-2 years - 0.85%;
  • for 2-3 years - 0.95%;
  • for 3 years - 1.05%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from $ 3000):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 10,000 dollars):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 20,000 dollars):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from $ 100,000):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• • for 3-6 months - 0.05%;
  • for 6-12 months - 0.20%;
  • for 1-2 years - 0.50%;
  • for 2-3 years - 0.60%;
  • for 3 years - 0.70%.
• terms and interest rates for dollar deposits when opening in the bank branch (from $ 3000):
  • for 3-6 months - 0.05%;
  • for 6-12 months - 0.25%;
  • for 1-2 years - 0.60%;
  • for 2-3 years - 0.70%;
  • for 3 years - 0.80%.
• terms and interest rates for dollar deposits when opening in the Bank's Office (from 10,000 dollars):
  • for 3-6 months - 0.05%;
  • for 6-12 months - 0.30%;
  • for 1-2 years - 0.65%;
  • for 2-3 years - 0.75%;
  • for 3 years - 0.85%.
• terms and interest rates for dollar deposits when opening in the bank branch (from 20,000 dollars):
  • for 3-6 months - 0.10%;
  • for 6-12 months - 0.40%;
  • for 1-2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.
• terms and interest rates for dollar deposits when opening in the bank branch (from 100 dollars):
  • for 3-6 months - 0.10%;
  • for 6-12 months - 0.40%;
  • for 1-2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.

By deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the deposit amount. The deposit can be freely replenished, but to make money before the expiration of the term, in whole or in part, is not permitted.

Tip: Find out what financial institutions today.

How to calculate the profitability of the deposit?

Distributing interest under the conditions of the bank is not always easy. The standard formula provides a fixed number of interest accrued and the amount of the contribution that does not change throughout the entire period. Calculation is made as follows: Deposit amount * Deposit validity time * The agreed percentage. For example: the deposit amount is 100,000 rubles, time - half a year, the interest rate is 10% per annum. As a result, we get: 100,000 * 0.5 * 10% \u003d 5,000 rubles of income.

Formula of the profitability of the deposit with capitalization Includes a few more conditions. After all, it is necessary to take into account that the size of the contribution and percent is slightly increasing for each period of their accrual. In this case, it is necessary to count so: N * (1 + p * d / d / 100) n-nwhere

• N is the initial deposit size;
• P is the interest rate;
• d - calendar days, after which new percentages are accrued (as a rule, it is 30 or 31 days);
• D - 365 or 366 days a year, depending on the current year;
• n - how many times the interest is accrued (if the capitalization period is 30-31 days, then this number will be 12).

Common Errors when choosing a contribution

Typical opinions of most sometimes are able to lead to unpleasant situations. Banks try to play maximum benefit from customers, so customers should be attentive, choosing favorable conditions for themselves. After all, they are good for the bank and bring profits in any variations provided.

First error.The offer looks noticeable and in all respects is better than others. The interest rate is significantly higher than the average in the market. This is a signal to look at the bank itself. Positive Event Development: A big holiday and similar shares of the Bank attracts new customers. Negative option: the bank is unreliable and can collapse at any time. His action plan is based on the most important benefit from customers who want the same money in a short time. Then such organizations declare bankruptcy, and depositors lose everything.

Tip: Check each bank for deposit insurance agency in the system. This organization returns citizens' deposits in the event of the liquidation of banks. Initially dubious structures with it, as a rule, are not associated. Also on the AKB website you can see which banks are already eliminated or in the process.

Second error.You choose the maximum deposit term, because it pays the most percent. The "underwater stone" is that now the ruble exchange rate is not tied to the cost of oil. His fall and it is impossible to predict. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing contributions at the same level of payments. As a result, the early termination of the treaty will return much less money to you, and without it, it is impossible to translate to new conditions of the deposit.

Tip: If you wish to take the maximum time, take the average. Preferably with capitalization of interest. The term of the deposit should not exceed one year.

Third error. The conditions of the contribution provide for a huge amount of possibilities: the removal and replenishment of the account at any time, the capitalization of interest and much more. Pay attention to the bet: it is clearly not maximum. The presence of some benefits is cleaned by others.

Tip: Follow priorities before opening the deposit. Are you important to capitalization of interest? And their monthly removal? Is it possible to shoot a part of the invested funds before the term? Based on the answers received, choose the bank only with those additional offers that you really need.

Fourth error.Ignoring the achievements of civilization. Most large banks translate their services to the Internet format. There are even banks that are fully functioning using the network. As a consequence, it may be that if you open a contribution over the Internet, the interest rate will be significantly higher, and the minimum contribution is lower than when opening in the office.

Tip: If we are afraid of the data saving, always check the address of the page on which you are. From above there should be either a similar pictogram with a lock (see below), or the inscription HTTPS is green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary operations: without SMS with an access code, you cannot invest nor output.

Let's sum up

Deposits in banks - for individuals. Choosing conditions, do not always be seduced by a high interest rate. It is best to check the market for such proposals and to invest in a deposit on the conditions corresponding to the highest plank of proposals. In order to avoid the risk of losing money, do not trust the banks that did not hear anything before.

Also, initially decide what you want to get from the contribution. Additional income guarantees capitalization of interest. Choose the real time to which you do not need this money. The early termination of the contract with the bank is fraught with a much smaller amount of money than was indicated in the contract.

The contribution or so-called "deposit" is the cash that the client accommodates in the bank to protect and increase its capital.

The higher interest rate Bank deposit - the greater the potential income. In Moscow, the best interest on ruble and currency deposits is often offered during seasonal sentences or other special shares of banks.

Bank deposits for individuals in Moscow differ in terms of time, currency and rate, there are also additional conditions (the possibility of replenishment, partial removal without percent loss, monthly interest payments on the card and others).

And small, and larger reliable banks in Moscow in 2020 offer several additional opportunities for urgent deposits and deposits with maximum and not high interests for individuals:

• partial removal and replenishment funds on the deposit account gives the client the opportunity to use money without breaking the contract with the bank;
• capitalization - This is a monthly interest accrual to the deposit account. That is, future interest are accrued not only on the amount of the initial contribution, but also added percentages;
• automatic prolongation - Automatic extension of the contract if the contributor does not take into account at the end of the validity period.

To arrange the best contribution in rubles or currency at a bargain in the bank of the city of Moscow, consider these three points.

Depending on the currency used, urgent deposit deposits are divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit tools are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable interest rate deposits in Moscow banks are offered today in Russian rubles.

Investment in currency - One of the popular techniques for preserving and multiplying your capital in the city of Moscow, even in crisis time. Although rates on currency deposits due to the instability of the course decreased significantly, it is possible to obtain income with the growth of the exchange rate to the ruble. So you can get the best income from the deposit in 2020.

Most banks of Russia offer currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the Currency Courses section. However, proposals of deposits under a good percentage in these currencies are a bit, since the demand for them is low.

What to choose the contribution of a pensioner, a student or a middle-aged person? Choosing a proposal with a better bet and conditions will help you with the form "Choice of the Deposit". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the best suggestions.

In 2020, today among deposits in Moscow banks, the most profitable high percentage in rubles at the deposit is a contribution to the top (with NIC) Gazprombank in Gazprombank Bank (AO) - 8.10% per annum. The minimum deposit amount of 50,000 rubles with interest paid at the end of the deposit period. According to our data, this is the best bank deposit of Moscow with a maximum rate in rubles.

Deposits in Moscow at high interest in 2018: Compare the rates and conditions of the most profitable bank deposits today for individuals, including pensioners.

Deposits under the high percentage in Moscow banks - 2018

Deposits of individuals today are the most popular and in demand in the way of investing money. Giving your savings to banks, we hope not only to preserve, but also increase their funds. And therefore, we try to choose such deposits, where interest rates are the highest and conditions most convenient.

Today, Moscow banks offer a large number of different types of deposits for individuals. But all of them can be divided into several large groups:

Urgent deposits for the maximum percentage. Opening such a deposit, you give money money for a certain period (3-6 months, 1 year or 3 years), and at this time you can't pick up money without losing accrued interest, or replenish the account. As a rule, such contributions have the highest rates.

Replenished deposits. Opening such a deposit, the depositor can save money, RESETS, and at the same time interest and interest grow. However, it is impossible to remove any a few funds from the account and not to lose income.

Expendable deposits with partial removal of funds without percent loss. Such deposits have the lowest interest rates. But it is possible to take part of the funds to a pre-negative abnormal balance, which will be accrued in this case interest.

The most profitable deposits in Moscow in rubles in 2018

In this comparative table, we collected ruble deposits of individuals with the maximum interest, which today offer banks of Moscow.

Bank International Financial Club Contribution "Confident Choice"

Nazinvestprombank Contribution "Choice of Success"

• See which interest rates on deposits offers today

Bank Zenit contribution "Dessert (online)"

Cranberry Bank Contribution "My Profitable"

Bank Standard-Credit Contribution "Urgent-Lux"

Accountal Contribution "Time of Discovery"

• See, under what conditions today can be discovered in the bank

ZiRAAT Bank Moscow Contribution "Urgent"

Bank new century Contribution "VIP replenish"

Accountal Contribution "High Percentage"

Deposits in Moscow for maximum interest in dollars

In this comparative table, we collected dollar deposits of individuals with maximum interest, which today offer banks of Moscow.

Bank "St. Petersburg" Contribution "Strategist Online"

SMP Bank Contribution "Strategy"

Binbank "Contribution to the Future (Cumulative Insurance)"

Alpha Bank Contribution "Victory + (maximum + bag)"

Inbank Contribution "Maximum"

Bank Tauride contribution "Tauride maximum (online)"

Eastern Express Bank Contribution "East (Tariff Zone 1)"

Promtransbank Contribution "Urgent in Currency"

Mosoblbank Contribution "Personal"

In which bank of Moscow is better to discover the contribution

Choosing a bank in Moscow for registration of the deposit, today should first assess the interest rate and quality of customer service. If earlier experts recommended to choose the largest banks as the most reliable, then today's situation in the financial sector shows that almost no one is insured against fall. Of course, in addition to systemic and significant banks that the Central Bank most likely will save in any case.

Fortunately, in Russia, the Deposit Insurance Agency has long been working (QU), so it is possible to return my money even if the bank is burst.

How to open a bank deposit

In pursuit of a big percentage, now you can secure savings, choosing even the most reliable bank for the contribution. Today it is more important to correctly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the magnitude that the QA will return to you in the event of a license revocation. A large amount is better to split into parts and decompose in several banks of Moscow for the most profitable interest.

It should not be opened in one bank large contributions for yourself and on close relatives. In the event of an insured event, you can blame for the fact that you, allegedly, wanted to thus fool the ASV.

It is also important to trace your contribution to be really open and account for bank accounting, and not for the balance sheet (such cases have already been), otherwise it will be difficult to prove the presence of a deposit.

The best interest on deposits in Moscow

Choosing deposits in Moscow banks with the highest percentages, we immediately comply with the replenished deposits and those that suggest partial removal of money. It stops at the deposits of individuals posted for a certain period: month, three months, six months, year, etc. If it seems to you that the maximum percentage of the deposit in rubles can be obtained if you make a deposit for a long time, for example, 3 years or even 5 years old, then you are mistaken. Today, urgent bank deposits for half a year or year are most profitable. You can make a deposit for this period to get the highest rate, and then remove money and put them again, perhaps already in another bank of Moscow, which at that time will offer a more profitable percentage.

Investment deposits in Moscow with maximum interest

Fighting for the money of customers, banks recently are increasingly offering the so-called investment deposits. In terms of their conditions, the client simultaneously with the design of a bank deposit acquires, for example, securities or translates a certain amount into a mutual investment fund. The interest rate on such deposits is usually higher than others. But before to escape to big income, check if you will be returned to the money invested in the face or securities if the bank loses the license. And then think if you are ready to risk your savings or it is better to choose a less profitable way of investing money, but more reliable.

Favorable deposits in Moscow banks with elevated interest

Selecting the most favorable deposit, check the ability to open the deposit online. Often when opening over the Internet, the bank charges the allowance to the interest rate.

In addition, an increased interest has deposits in Moscow banks for premium customers. Registration of packages of services with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions on account, sometimes it is enough to purchase a platinum card that may be really convenient for you.

In short, if you want to invest a large amount, then compare what will be more profitable for you: several contributions in not very stable banks under a high percentage or a premium deposit amount from 1.5 million rubles in a reliable bank with state participation.

Read more Conditions and interest rates of the best in today's deposits of individuals in Moscow recognize on official websites or in the branches of banks. Information is not a public offer.

The deposit in the bank was and remains the easiest and most reliable way to receive additional profits from available funds without loading itself with additional work. For residents of Moscow, bank deposits are particularly relevant: having the opportunity to postpone more money on the expense, they can count on a higher percentage and profits. But in which bank is to make a contribution, and where will it be profitable and safe?

As for the security today, everything is simple: the state insurance system of deposits protects investors from the loss of money due to the ruin or liquidation of the bank, and any amount up to 1,400,000 rubles will be returned to its owner. In case you intend to put in the account a little less, it is not worried about: you can only choose a program with the best deposit terms - and open an account. At the beginning of 2017, it is possible to resume the decline in interest rates, so it makes sense today to choose the most appropriate offer.

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

Sberbank

Start from Sberbank, as from the most popular bank among depositors in Moscow, it would be reasonable. But not very - to do accumulation in this bank. The whole thing in percent, which are the lowest among all other banks that we consider in this review. Sberbank offers its customers 6.95% per annum on deposits as the maximum possible, except for the "Good year" seasonal offer with a bet of up to 8%.

Nevertheless, the deposits "manage", "Keep" and "replenish" are quite convenient for the bank's customers. There are no hard restrictions on the amount and deadlines here: the client can independently choose any period (from 1 month) and put on account even the minimum amount (from 1000 rubles). In terms of deposits, interest is capitalized, and the rate as the amount increases increases in the account. When opening the deposits of the online bet above average by 0.4%.

VTB 24

Among the banks offering contributions are different in that it offers its customers wide opportunities for additional income. The bank offers three deposit products - "comfortable", "accumulative" and "profitable". The maximum income is possible at the contribution "profitable". With the amount of investments from 200 thousand rubles and storage period of 181, it is possible to count on a percentage rate of 6.80% (taking into account capitalization - 6.90%). With the amount of the deposit of 1500,000 rubles, the maximum effective rate will be 7.75% under the opening period from 91 to 181 days. When opening a contract in the Internet bank, interest will be higher.

Alfa Bank

At the moment, it offers its customers not only credit products, but also a number of programs on deposits. The smallest percentage for income (not accumulative) deposits is 7.10% (the contribution "potential +"), the greatest - on the deposits of "victory +" (8.34%) and "Prize +" (7.60%) with the amount of the contribution from 10 000 rubles. On the deposit "Victory" at the maximum rate of 8.96%, it is possible to expect, invested from 5 million rubles for a period of 184 to 276 days. And according to the savings program "Lifeline" under the amount of the contribution from 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly Bank 0.05% of the deposit amount to the Charitable Foundation for Saving Sick Children Line Life.

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most profitable offer is valid until January 31, 2017 on the "Seasonal" deposit - up to 10% per annum can be obtained by placing from 100 thousand rubles for 400 days. The contribution is divided into percentage periods of 100 days, replenishment and partial removal is not provided. Also, under the program "Maximum Income", you can get a high percentage of 8.46 %% per annum (with capitalization, for 1 year with the amount of from 1.5 million rubles). Contributions to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening the deposits "Maximum Income", "Maximum Growth" and "Maximum Comfort" in the Internet Bank operates an increased rate - + 0.3% to the contribution rate in rubles of the Russian Federation and + 0.1% to the deposit rate in US dollars / euro.

Home Credit Bank

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

Tinkoff

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

The possibility of replenishment is provided (there are limitations for timing) and partial removal to an unsigned residue.

Russian standard

The maximum rate in the Bank of the Russian standard can reach 10% on the Maximum Income Deposit Program. The contribution is located on 720 days, which are divided into percentage periods, the most profitable one is 360 days under 10%. The amount of placement in the design on the bank's website or in the office is from 30,000 rubles, and when opening in an Internet bank - from 10,000 rubles at the same rate. According to the urgent deposit "Refilled", the holder of funds can get up to 9.5% per annum. The shelf life is half a year or a year, the minimum amount for opening is 30 thousand rubles, but on the specified bid can be calculated by placing them for a period of 360 days.

Where is more profitable to keep money?

As you can see, deposits in Moscow banks are offered on different conditions. All organizations can be divided into two groups - banks with the smallest and most maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest on deposits in rubles is waiting for you in the banks of Home Credit and Russian Standard. Here you can get up to 10% per annum and more. However, one interest rate to draw conclusions about the profitability of the contribution in a particular bank is not enough. We recommend paying attention to the ability to make profitable and expenditure operations on the account, because by most of the high-yield deposits, replenishment is also prohibited, and partial removal of funds, interest is also usually paid only at the end of the deadline, which is not always convenient to depositors.

Updated in December 2016

A complete list of the most relevant banks for investors for investors is available at http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

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  BBD Bank launched the contribution "2020"

  5.75% per annum is such a maximum rate of profitability of the new deposit program of the Bank of the Bank, which ranked "2020". The most attractive rate is provided in the case of placing funds for 700 days (the contribution can also be issued for 200 or 500 days). In the framework of the "time to change the rules", it is possible to further increase

  17 Feb 2020.

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  Feb 12 2020.

• Change rates

  Sovcombank revised mortgage rates, on deposits and on the map "Halva"

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  19 Nov 2019.

• New Product

  ENERGOBANK presented the contribution "Literate Investor"

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  Oct 29 2019.

• New Product

  "Revival" launched 4 new retail deposits

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  October 01, 2019.

• Change rates

  NS Bank changed deposit rates

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  August 02 Aug 2019.

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  July 23, 2019.

• Change rates

  Gazprombank raises rates on deposits

  Gazprombank makes branded deposits more attractive. According to the contribution of "Your success", the maximum rate of profitability increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The contribution can be issued until the end of May. The minimum accommodation amount is 300 thousand rubles. Deposit is unpaired. Issuance

  27 Feb 2019.