Where is the best place to make deposits in rubles? Reliable banks with high interest rates on deposits. Best deposits in dollars

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

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the end of the contract;
• the client belongs to the preferential category.

High interest rates are possible within . They also receive maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

A high percentage can be opened by citizens both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:

• minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high indicators of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find bank deposits with high interest rates in 2020. For convenience, we offer a comparative table with current information and to calculate possible profits. The data is updated regularly to ensure our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of the effective ways to increase the amount of savings is through deposits. Many banking organizations offer to open them, of course, under different conditions. Today we will discuss how to choose deposits that are profitable for yourself.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It’s easy to become a depositor: you need to enter into an agreement to place money in rubles or other currencies in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP 20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

Let us also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can change and 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. Accrual %– on a deposit or, at the client’s request, on a card;
7. Replenishment– regardless of time, via the Internet;
8. Removal in parts– regardless of the time, as convenient for you.

Summary: ease of opening, the ability to withdraw and top up your account at any time, quite a reasonable deposit amount. The bank participates in the deposit insurance system that we mentioned today. Among the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner of a bank debit card. It is also possible to open a deposit in different currencies.

1. Minimum contribution– 1 ruble (depending on the type of deposit being opened);
2. Minimum placement period– 30 days (deposit “Save”);
3. Maximum placement period– 36 months;
4. Minimum % rate – 3%;
5. Maximum % rate – 7%;
6. Accrual of % occurs depending on the type of deposit;
7. Replenishment – Maybe;
8. Removal in parts- allowed.

Summary: The bank is certainly reliable, stable, and supported by the state. Participates in the deposit insurance system; you can open a deposit without visiting the office in person. 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 of % - every month;
7. Replenishment – Maybe;
8. Removal in parts– possible (deposit “Comfortable”).

Summary: The amount of the first payment is large, not everyone can make it. The number of available deposits is small, but this can hardly be considered a negative side. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

1. Minimum contribution– 10 rubles (deposit “On demand”);
2. Minimum placement period– depends on the type of deposit;
3. Maximum placement period– depends on the type of deposit;
4. Minimum % rate – 0,01%
5. Maximum % rate– 8.75% (investment deposit);
6. Accrual of % - every month;
7. Replenishment – yes, for “Managed”, “Savings”, “Pension Income” deposits
8. Removal in parts– yes, for “Demand” and “Managed” deposits.

Summary: The amount of the down payment is available to everyone; there are no restrictions on the terms of the deposit.

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 of % - at your choice (every month or capitalization);
7. Replenishment – Maybe;
8. Removal in parts– not for all types of deposits.

Summary: Not all deposits are available for replenishment; cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

1. Minimum contribution– 100 rubles (for the “Pension” deposit);
2. Minimum placement period- 90 days;
3. Maximum placement period–1095 days;
4. Minimum % rate – 0.01% (on demand deposit)
5. Maximum % rate– 7.8% (for the “Vacation” deposit);
6. Interest is accrued at the end of the term;
7. Replenishment – Yes;
8. Removal in parts – only for the “Dynamic” deposit.

Summary: The bank is a participant in the deposit insurance system, there is the possibility of personal consulting.

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. Accrual % – daily, monthly;
7. Replenishment – yes, it's possible;
8. Removal in parts – yes, it's possible.

Summary: There is an increase in the rate when opening online, the bank is included in the deposit insurance system, and there is 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. Accrual % – 1 time per month (capitalization available);
7. Replenishment – Maybe;
8. Removal in parts – perhaps under the “Free Control” deposit.

Summary: There is an opportunity to replenish the deposit amount; 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 “Victory +” deposit;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: there is an opportunity to receive serious income, but for this you need to make a large 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. Accrual % – every month;
7. Replenishment – yes, according to the “Always at hand” deposit;
8. Removal in parts – Maybe.

Summary: It is possible to make a minimum contribution in several payments, and there is the 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. Accrual % – at the end of the contract;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 4 years;
4. Minimum % rate – 5% (for deposits in gold and silver);
5. Maximum % rate – 9%;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – available.

Summary: small down payment amount, wide choice of deposits.

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 in parts – Yes.

Summary: the bank increases the rate on deposits for persons who opened it via 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. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: We see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive % 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 deposit 3 million rubles);
6. Accrual % – 1 time per month or at the end of the term;
7. Replenishment – Yes;
8. Removal in parts – No.

Summary: opening in rubles and foreign currency is available; you cannot withdraw money partially, 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. Accrual % – every month, every quarter;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: The bank’s website contains information that deposits are accepted only in rubles; in addition, you can get an increased percentage if you open a deposit via the Internet. It is permissible to close the deposit early and not lose the accrued interest.

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. Accrual % – daily (if the “On Demand” deposit is opened);
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: You can replenish open deposits and withdraw some funds.

Bank "Ugra

1. Minimum contribution – 100 rubles;
2. Minimum placement period – 61 days (for the “Special Client” deposit)
3. Maximum placement period – 36 months;
4. Minimum % rate – 6%;
5. Maximum % rate – 10%;
6. Accrual % – 1 time per month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: Deposits can be replenished and withdrawn in parts; initially, you can deposit 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. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

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

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 91 days;
3. Maximum placement period – 720 days;
4. Minimum % rate – 6,5;
5. Maximum % rate – 8,5%;
6. Accrual % – every quarter, at the end of the term;
7. Replenishment – acceptable;
8. Removal in parts – Yes.

Summary: The bank offers a fairly wide selection; when opening via Internet banking, the percentage is slightly higher.

Comparative table for all banks

Banking institution	Maximum on deposit	Opening fee	Possibility of withdrawal/replenishment
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz 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 will look at how to correctly compare deposits.

How to compare different deposits

It is clear that most people consider the interest rate to be the most important indicator for comparison. But no less important are the indicators that we have already discussed in the table above: the ability to withdraw money and top up your account.

The level of income you will receive on your deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that opening deposits without visiting a bank office, online or through an ATM, is currently becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also already wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – in fact below.

There is another criterion for comparison: the size of the minimum and maximum contribution amount. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions. In simple terms, this means that if you withdraw funds partially, this amount should remain in the account.

You cannot withdraw money more than this amount; you will lose everything that was credited. This is especially important for investors who have small amounts of funds and invest them in order to withdraw the maximum at any time.

Purposes of placing deposits

It would seem that there is nothing complicated: you open a deposit so as not to lose money, save it, and also increase its quantity. But there are a number of other goals. Let's talk about them.

1. Earn money.

Don't be surprised, this is quite possible. Often banking organizations hold promotions of various types. If circumstances go well, you can get additional income.

2. Get benefits.

As an example, let’s take one of the largest banks in the Russian Federation. It has the following condition: for a person who opens a deposit for a certain amount, preferential terms for mortgage lending will apply. Imagine, there are not so few people willing.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose practically any type of contribution - they will all help with this. Keeping money in a box at home is not the best option; sooner or later inflation will eat it up, and no one is safe from thieves.

4. Save up for a major purchase.

We all know that there are people who don’t keep money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not there.

In this case, a bank deposit comes to the rescue. Moreover, it would be better if it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let’s talk in more detail about what types of deposits there are and how they are classified.

What types of deposits are there?

In order to attract a large number of clients, banking organizations are constantly expanding their line of deposits, adding more and more new ones. We will now look at the most popular types of deposits for us – ordinary people.

All deposits can be divided into 2 categories: urgent And poste restante. Term deposits are opened for a specific time; demand deposits do not have a specific period.

Savings.

It is worth noting that the highest rates are for this group. In addition, it is not always possible to withdraw money from such deposits or to deposit funds into the account.

Calculated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. This type of contribution is also called universal.

Cumulative.

Provided for those clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to certain groups of clients. This includes deposits for students, pensioners, and so on.

By season.

Timed to coincide with a certain time of year. They often have fairly high rates, but there is no rollover option.

Mortgage.

Designed for those who want to independently save for a down payment on a mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be used to pay the mortgage premium. Now in the Russian Federation such a deposit is not found in all banking institutions.

Indexed.

This deposit belongs to the category of fixed-term deposits and is tied to changes in the value of an asset. The asset can be the dollar exchange rate, securities, precious metals, etc.

Multicurrency.

The point of such a deposit is that the funds are stored in various currencies: most often rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is rare.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, they do not charge a commission for it, but the rates here are lower than for other types of deposits.

Children's.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds into it only in cash. When opening such a deposit, the client can count on complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid of losing it will take a decent amount of time.

To make this task a little easier, here are a few recommendations:

1. Don't neglect other people's feedback. Check them out, it definitely won't hurt. Just pay special attention to those that are presented on the Internet as a whole, and not on the official websites of the banking organization.
2. Study information in the media for publications about the bank in a negative way.
3. When visiting a bank, check how interest rates apply on deposits: if they are too high, this is a reason to be wary;
4. You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language; you don’t need to be an expert in economics to understand the topic;
5. Find out if the bank has branches and branches;
6. An important criterion for selection is the bank’s participation in the state deposit insurance system. This information is freely available on the Internet; finding it will not be a problem.
7. On the official website of the Central Bank of the Russian Federation you can view information related to the reporting of banking organizations. The only disadvantage here is that it is difficult for an ordinary person to understand it; the help of a specialist is required.
8. An important indicator is the amount.
9. You can inquire about the bank's ratings; they are published by special agencies. Of course, it’s difficult to keep track of them, but they can be used as additional information.
10. An indirect sign that all is not well with the bank are frequent failures in various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential investor to adequately assess the reliability of the chosen banking organization.

By the way, the most common mistakes are made:

1. Selecting the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If this is your only goal, you are better off using another financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds and is having financial difficulties.
2. Excessive trust in bank specialists. Even if an employee speaks convincingly and beautifully, his words must be supported by something. Stable and reliable institutions provide clients with all publicly available information.
3. Opening a deposit in a servicing banking organization. Often, depositors entrust their funds to the bank from which they receive salaries or other types of regular payments. This is convenient, but there is no need to bring all the money to one institution; it is better to distribute it among several.
4. Following untested recommendations. The experience of your friends and relatives is important, but you don’t need to follow it blindly. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

To summarize, I would like to say that the choice of a banking organization must be approached with increased attention and thoroughness. It is better to spend time finding the bank that best suits you than to risk your savings.

State deposit insurance

Thanks to the implementation of this system, a person can get his money back even if the bank is recognized or its license has been revoked.

In 2017, deposits up to 1,400,000 rubles were insured. If you have deposits in several banks and all these credit institutions went bankrupt, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate in effect on the date of revocation of the bank’s license. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without stating the reason, may refuse to open a deposit for a client.

This happens infrequently, and the reasons may be:

• The client is under 14 years of age;
• The client does not have the opportunity to present a passport or other document that will prove his identity;
• A citizen of another state wants to open a deposit but cannot confirm his right to stay on the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for its safety. We propose to analyze the range of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most deposit programs do not require payment. Tax will be charged only if the level of income exceeds that established by law. But this year, banking organizations have lowered deposit rates due to increased insurance rates. This means that you cannot expect a high level of profitability.

You may ask: do you need to pay something or not? Let’s answer this: this direction of payments is practically not controlled. If you receive a payment notice, of course, make the payment. But if you haven’t been notified about this within 3 years, you don’t have to pay.

Interest on deposit: how to calculate

To begin with, let us immediately note that you should not completely trust the amount of interest on the deposit that is indicated in the advertising of the banking organization. Before you entrust your hard-earned money to a bank, try calculating the interest yourself. This may seem complicated to you, but we will try to explain in as simple a way as possible how to do this.

First of all, you should not completely trust the calculation to the deposit calculator.

They will not show real results because:

1. Their functionality is poor; the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
2. Calculate everything before you decide on the bank and type of deposit. This is necessary to evaluate and compare different offers.
3. If you have any questions, contact the bank’s consultants, they will clarify all the necessary points.

Now let's move on directly to terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

The concept of % on a deposit refers to the amount that the bank pays to its client for using his money.

The rate is usually specified in the contract, indicated as a percentage per annum. The rate can be floating or fixed.

If we are talking about a simple method of calculating %, then they are not added to the deposit amount, but are transferred to the depositor’s open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its principal amount has increased, which means that the total profitability has also increased.

Formulas

We calculate interest in case of simple accrual:

S = (P x I x t / K) / 100, Where:

• S – accrued%;
• P – the amount you deposit;
• I – deposit rate for the year;
• t – number of days for which % will be calculated;
• K – number of days per year (don’t forget about leap days).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The percentage calculation is simple. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 365 /365) / 100 = 19,000 rubles.

If compound interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, Where:

• S – accrued%;
• P – the amount you deposited;
• I – % of the deposit for the year;
• j – number of days in the billing period;
• K – number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 180 /365) / 100 = 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

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

In addition, there is one more subtlety: the DIA begins insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What do investors risk?

This is an important question that cannot be left unanswered. After all, everyone knows very well that every coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss possible risks.

The most common are the following:

• The banking organization is declared bankrupt;
• Payment of personal income tax;
• Increase in rates for deposits opened for a long time;
• Liquidity risk;
• Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation occurring, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return your money.

Payment of personal income tax.

This will only have to be done if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum for a period of 36 months, and after a year the rate becomes 12%, you lose 3% of income.

Liquidity.

This risk arises if you terminate the term deposit agreement early. It’s better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months at an interest rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations has become a regular occurrence. But the problem is that 27 thousand people contacted the Deposit Insurance Agency with statements that people could not get a refund of their funds. As it turned out, there were fraudulent actions with deposits on the part of banks.

What is the essence of such fraud? It turned out that banking organizations were stealing funds from the accounts of their depositors. Double accounting was carried out, and the person did not even realize that he had been robbed. In accounting, the information that deposits were opened was either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts and nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize itself.

Proceed according to this algorithm:

• Contact the banking organization with an application for insurance compensation, attaching the documents that you have in your hands;
• The application from the bank is transferred to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, changes will be made to the payment register;
• As a result, you will receive your money in full.

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

We can also advise placing deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is everyone’s personal business, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

Wanting to receive a stable, albeit small, income, citizens with certain savings are increasingly trying to open deposits in various banks. For most investors, the most important indicator when choosing a savings program is the interest rate. However, there are several more significant nuances that you should pay attention to when choosing a deposit product. We will tell you about what to pay attention to and which bank has high interest rates on deposits in our article.

It so happens that most depositors, when choosing a deposit program, pay main attention to the interest rate. And this is the biggest mistake. What about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new clients. As practice shows, they quickly go bankrupt, leaving their investors without the promised income and without their own savings either.

It is for this reason that the first thing a client should pay attention to is the reliability of the bank. Reliability is verified by the stability of the financial institution, the guarantee of payments on deposit transactions, as well as leadership in the banking services market. As a rule, it is the large banks that have been coping with all crisis situations for many years that rightfully become the most popular among the population.

Of course, security comes at a cost. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the likelihood of receiving the planned income increases significantly.

Important! An additional guarantee is government support for those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of bank bankruptcy. Therefore, first of all, when choosing a bank to open a deposit, you need to pay attention to whether the bank has a state deposit insurance license.

Additional criteria

We’ve sorted out the reliability, now let’s decide what else should be taken into account when choosing a deposit.

1. Interest. For some, this indicator will come first, but it is still better to consider it after choosing the most reliable bank. Thus, among the leaders in the financial services market, there are not many banks that are ready to offer their depositors quite profitable deposits. A good interest rate today ranges from 8-8.3%. Of course, you can find better interest rates, but the conditions may be too harsh for those who want to invest.
2. Possibility of early partial or full withdrawal of money. This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract term of six months to a year. These are the most profitable and not too long-term programs, because there is always the risk of an economic downturn and unexpected bank bankruptcy. However, there are cases when it is not possible to wait until the end of the deposit period, and you need money right now, then you need to clarify whether you will have the opportunity to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profits in the event of early closure of the deposit agreement. After all, some banks take almost all of the accumulated interest, even if the deposit has been kept for almost the entire agreed period.

3. Capitalization of profits received. Another important indicator is the possibility of capitalizing the income received. That is, the agreement may provide for the automatic combination of the principal amount of the deposit with the interest due on the term, and the accrual of subsequent interest, taking into account the increase in the size of the principal deposit. This is quite profitable, however, most often such deposits do not have decent interest rates or there is a system of stepped interest accrual. With this option, interest will gradually decrease as the principal amount of the deposit increases.
4. Deposit registration deadline. This factor is also significant, because banks often offer very decent interest rates only on short-term deposits. For deposits with a maturity of one year or more, the percentage becomes slightly lower.
5. Mandatory input amount. Most investors are confident that they can deposit any amount they have at interest. However, this is not the case. Of course, there are banks that do not care at all about the size of your savings that you want to deposit at interest, but the majority set a threshold deposit value. Moreover, the larger the amount, the higher the percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to turn around the money it has. Accordingly, their profit depends on this.

Which banks have the highest interest rates?

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 rates from banks with dubious reputations that simply want to attract as many customers as possible. Of course, in such financial institutions you can see a rate of 15% per annum. But are you sure that the bank will not collapse until the time comes to withdraw the accumulated interest? Are you at risk of being left completely without money?

№	Bank and program	Interest rate	Deposit term	Deposit size	Currency
1	Opening "High Interest"	to 10%	1 year	from 50 thousand	not provided
	— the shorter the term, the higher the interest: 3 months. — 10%, 6 months. — 8%, 9 months. — 6%, 12 months. - 5%; — the deposit cannot be replenished; — interest is paid upon completion of the contract; - after the end of the contract, if the deposit is not was issued, it is extended under the terms of the “Main” deposit income".
2	VTB 24 “Savings account”	up to 8.5% basic; up to 10% with VTB Multicard	1 year	any amount	not provided
	— when opening Multicard and enabling the function “Savings” can receive an increased interest rate, provided payments using an issued card; — the savings account can be replenished and withdrawn without loss of interest; — the more you spend on the card, the greater 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 received at the end of the term contracts; — the deposit is intended for clients who have issued an ILI policy or NSJ.
4	GazpromBank "Savings and Protection"	6,7-8,8%	3.6, 12 months	from 50 thousand rubles.	not provided
	— interest is paid at the end of the term; — the deposit cannot be extended; — the shorter the deposit term, the higher the interest.
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 set in case of regular using a Halva card with a monthly purchase amount of 5 or more thousand roubles.; — deposit replenishment is provided; — interest is accrued only at the end of the term, including additional 0.5% for payments using Halva.
6	BinBank "Maximum interest"	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 interest can be received only at the end of the term; — extension of the deposit is possible; — when opening a deposit in rubles, additional increase in percentage for pensioners (+0.15%) and increase 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 is provided with a provided preferential rate; — it is possible to extend the contract automatically (not more than 3 times); — interest is 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 a rate of 1.4 to 2.4%).
	— the deposit is opened for a period of 180 or 395 days; — the deposit can be opened together with the purchase of a share; — interest is paid at the end of the deposit term operations; — there is no limit on the size of the deposit; — in case of early termination of the agreement, interest are paid at the rate agreed upon in the contract; — the deposit cannot be extended.
9	VTB "Maximum Income"	3,24-7,14%	from 3 months up to 3 years	from 1 thousand rub.	-dollar (from 100 at a rate of 0.4-1.74%); — euro (from 100 at a rate of 0.01%).
	- the shorter the term, the higher the interest; — you cannot replenish or withdraw money ahead of schedule; — interest will be calculated at the end of the term; — capitalization of interest is possible.
10	Sberbank "Simply 7%"	7%	5 months	from 100 thousand rubles.	not provided
	— you can only open it yourself: through an ATM, online banking or mobile application; — interest will be credited to the account upon expiration of the term; — prolongation is possible, but subject to the terms of connecting the deposit "Poste restante"; — through the bank office the rate is set at 6.5%.

As you can see, those who want to invest their own money at high interest rates will have to seriously search for the most relevant offers. Of course, in addition to the proposed options, there are many more offers from various banks, and sometimes they can be more attractive. Particular attention should be paid to short-term stocks. For example, during the New Year holidays, many banks had promotional offers with very attractive interest rates.

Important point! As a rule, most banks are willing to offer the maximum interest rate only for short-term investments in a deposit account. However, you should not chase small benefits; it may be better to choose a loan with a lower rate, but on more favorable terms and with lower commission costs.

Content

Keep your money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper against the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Rates on deposits of individuals

Recent surveys show: more than half of Russians believe that it is better to save money in a bank, deposit or savings account. The confidence index in financial institutions is gradually increasing; people, based on the experience of previous years, prefer to save their surplus. Each bank offers its own solution, but there is the concept of an average bank interest rate, which is set by the Central Bank:

• The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other indicators are also monitored.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than last year 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and increased insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients’ money.

Interest on pension deposits

Everyone is happy to see pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a top-up function, which is a kind of analogue of a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” – replenishable deposit for 3 years, 3.5% per annum, “Save” – non-replenishable, rate 5.6% (up to 6.13% when opening an account online), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.

Interest on ruble deposits

The main share of bank deposits consists of ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer returns in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest rates exceeding 8.1, but the minimum amount starts from 1000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawal or replenishment.
• Alfa Bank also keeps the bar at around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, popular players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but as the percentage increases, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its value.

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% from Sovcombank;
• “All inclusive Maximum income” - 8.5% from the Moscow Credit Bank establishment;
• “Financial protection”, in euros, 3.5% – Promsvyazbank;
• “For life”, in euros, 3% – UniCredit Bank;
• “Tradition of Success”, in euros, 2.5% – Promsvyazbank.

High deposit rates

Interest rates on bank deposits today vary widely. What does this depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

• the intensity of issuing loans, which constitute the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in interest rates;
• deposits with compound interest initially offer lower returns than those with a simple rate.

Large players in the financial market do not stimulate profitability, preferring to attract clients with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return amounts to clients up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, taking into account:

• analysis of the work of a credit organization by the Central Bank, taking into account the amount of its own capital;
• customer reviews about the work of the institution;
• inspection of organizations by special agencies.

A sample list of deposits with good interest rates from recognized reliable banks this year looks like this:

• “Magnus” – 8% for a year from J&T Bank;
• “Solid percentage” – 8% from 3 months. Promsvyazbank;
• “PRIME” – 8.13% - 3 months to a year from UniCreditBank;
• “150 years of reliability” – 8.2% for 3 months. from Rosbank;
• “Promising” - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As an analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenishable deposits for a period of six months or more. Offers from small banks that are actively trying to attract new customers may be interesting:

• “Solid” – 10.5% for 550 days from GazTransBank;
• “Maximum” – 10.5% from 9 to 36 months, Dolinsk bank;
• “Loyalty to traditions Premium” – 10.25% (amount from RUB 2,000,000 for 1 year from Alef-Bank;
• “According to the Europlan” - 10% for the year from BinBank Capital;
• “Safe” - 10% for the year from the Interaction Bank.

Deposit rates in Sberbank today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution throughout the Russian Federation and quality of service.

• “Memory of Generations” – the minimum deposit is 10,000 rubles. the rate is 6.4-7%, with part of the profit transferred to the Military Veterans Assistance Fund.
• “Save Online” – can be done in any currency. A small minimum amount - only 1000 rubles. – makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• "Control!" – replenished, it is possible to issue it online. The percentages range from 3 to 5.85.
• “Give Life” - part of the income is donated to the Foundation of the same name. Term – 1 year, rate – 5.3%, no replenishment.
• “Savings” is a regular account with a minimum interest of 2.3 per annum. There are replenishments and early withdrawals.
• “Savings certificate” is a profitable offer with an income of 8.45% per annum. Feature – not subject to the deposit insurance system.

Bank VTB 24

This bank contains a share of government money, so its reliability is fully justified. Today, VTB 24 Bank offers low interest rates on deposits, which is compensated by favorable conditions:

• “Profitable – Telebank” with monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• “Cumulative” – from 200,000 rubles. for 3 months and above, interest – up to 6.95, there is capitalization of income;
• “Comfortable” – 5.35% (when ordering on the website 5.5%) – period from six months, minimum amount – from 200,000 rubles, partial withdrawal is possible.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a “people's bank” with favorable offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9% depending on the duration and size:

• “Investment” - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, year);
• “Golden Premium” – up to 8.1% for a period of 3 months. up to 3 years, minimum amount – 15,000,000 rubles;
• “Classic” - profit 7.95% per annum, interest payment - optional, minimum amount - 3000 rubles.

Deposit in Alfa Bank

The interest rate on deposits at Alfa Bank is comparable to its competitors, but the popularity of the financial institution is great. Currently clients are offered:

• “Life Line+” – deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• “Victory+” – deposit for six months, up to 7.3% and a deposit amount of 50,000 rubles;
• “Potential+” – with a high minimum amount of 5,000,000 and a profit of 6.4%, term – 245 days;
• “Premier+” - for six months, 6.8% with an amount of 5 million rubles (payment of profit - upon completion of the contract).

Post Bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of the large credit player VTB24. Last year, all branches of Leto-Bank closed, and clients were surprised to find that they were serviced by Pochta-Bank. An aggressive advertising campaign involving famous actors is doing its job; the bank is constantly calling for the use of its services to invest accumulated funds.

It is proposed to choose the following rates for deposits in Post Bank, and all deposits are subject to insurance:

• “Seasonal” – for a year with a placement amount of 50,000 rubles. The rate is 8.25% with payment of profit upon expiration of the term, pensioners receive 8.5% per annum.
• “Capital” – for six months or a year up to 8.25% plus a card as a gift.
• “Accumulative” – a deposit that is replenished up to 7.5% and a minimum amount of 5,000 rubles. early closure and capitalization of interest once a quarter is possible.
• “Profitable” - an annual deposit with 7.75% per annum and an amount of 500,000 rubles, a card or personal account comes as a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It is worth noting that today leaders among credit institutions do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the Russian Federation, who value their reputation, participate in the deposit insurance system (currently the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the offers in the table:

Bank's name		Interest		Terms of deposit
BaltinvestBank				There is no replenishment, interest payment at the end, no early withdrawal.
Russian standard	Maximum percentage			Payment of profit at the end, without replenishment and early withdrawal.
MosOblBank	Personal			Monthly payment of profits, replenished, without withdrawal.
	Fixed income			Replenishable (if agreed in advance, with preferential commission for early withdrawal), payment of profits every month.
	Maximum percentage			Payment at the end of the year, replenishment is available, withdrawal of money before the end of the term is impossible.

Video: Interest rates on deposits in 2019

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Discuss

Reliable banks with high interest rates on deposits. Glad to see you again! The other day King's new book came out, so I, as an avid reader of his, went to the store to buy a new product.

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

While I was waiting for my turn to come, I witnessed a conversation between this couple.

The man intended to invest money in a bank, but could not choose which one.

My wife couldn’t recommend anything decent, so I couldn’t resist and got into the conversation.

High interest deposits - which banks have higher interest rates?

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

It is also important to take into account such a factor as risk. As you know, the state Deposit Insurance System guarantees each depositor of a bank participating in this system the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.

Warning!

The most reliable bank is not only a large bank, but also the least risky. Lending institutions with state participation are least prone to risk - and our people are accustomed to trusting the state somewhat more than private business.

It is no wonder that it is banks with state participation that lead the ratings in all respects, including the volume of funds raised on deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.

Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.

Private banks from the Top 50 are the choice of people who, trusting private capital to a greater extent, prefer high income on deposits. The fact is that these banks vigorously issue loans at not the smallest interest rates, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).

Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of Russian banks). Now let’s look at what the banks mentioned above offer their depositors at the beginning of the new year, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian thinks about out of habit. Sberbank currently offers the following deposits:

• 8 time deposits in rubles, dollars or euros (from 2.3% for the “Savings Account” to 6.49% for the “Save” deposit in rubles);
• for wealthy clients who prefer other currencies - the “International” deposit (in British pounds, Swiss francs and Japanese yen - at 0.01% per annum);
• 3 deposits for owners of Sberbank First and Sberbank Premier service packages - “Special Save”, “Special Replenish” and “Special Manage” with increased rates - up to 7.36% in rubles, 1.66% in US dollars and 0.30% - in euros.
• 3 online deposits in rubles, dollars or euros (rates are higher than on time deposits, on average by 0.1%);
• 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank’s deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.

A choice of replenishable and non-replenishable deposits is possible, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “achievable” for any person.

VTB 24

This bank offers 10 deposits on various conditions (we can say that VTB 24’s are approximately the same as those of Sberbank):

1. 3 deposits opened in bank branches - Comfortable, Savings and Profitable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet bank - Comfortable-online, Saving-online and Profitable-online at rates from 0.01% to 7.90%.
3. 3 deposits on special terms for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
4. 1 savings deposit with flexible conditions at 0.01 – 8.50% in rubles.

Gazprombank

This bank has a total of 7 deposits: 1 investment, including investments in mutual funds (up to 9.70%), 5 savings deposits for various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).

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

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rate - up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).

Attention!

The remaining deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

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

VTB Bank of Moscow

The new “Seasonal” deposit, which can be opened until January 31, 2017 for 400 days, assumes a 4 interest period. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in the remaining periods the rate is 7.5%.

The bank also offers 3 basic time deposits: “Maximum Income”, “Maximum Growth”, “Maximum Comfort” with rates of up to 8.46% on ruble accounts, up to 1.61% on dollar accounts and 0.01% on euro accounts. 3 programs have been developed for pensioners (up to 8.46% in rubles), there is also a ruble savings account (up to 5%) and special offers for privileged clients.

We can say that deposits in this bank are primarily beneficial for a client with a large amount or who wants flexibility in replenishing/withdrawing funds. When opening deposits via the Internet or an ATM, 0.3% is added to ruble rates and 0.1% to foreign currency rates.

Russian standard

This bank offers 4 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum Income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.

Advice!

Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is the logical “payment” of the investor for high income.

Home Credit

Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles (up to 9.34% per annum ).

Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment by a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles/dollars/euro, including multicurrency. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient conditions in terms of terms, interest payments and deposits/withdrawals.

MTS-Bank

The best bank deposits in 2017: conditions and interest rates The former IBRD offers 9 deposits in rubles/dollars/euro, including multi-currency and pension. Rates in rubles for this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good interest rate.

An additional 0.30% to the base rate can be received by clients opening a deposit in the Internet bank, as well as salary clients, up to 0.40% of the rate - with a deposit amount of 4 million rubles.

Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at high interest rates in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit).

But at the same time, you should very carefully study the conditions regarding replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

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

The issue of preserving and increasing funds is always relevant. One of the most reasonable and safest options is opening a bank deposit.

Warning!

Which bank and deposit should you choose for the most profitable investment in 2017? What criteria, besides the interest rate, are important?

We offer an up-to-date overview of the best conditions for deposits in Russian banks.

Which deposit is better to open?

First, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Let us immediately note that the amount of return on deposits is influenced by several interrelated factors:

• Rising inflation and devaluation of the ruble.
• Decrease in the growth rate of household deposits.
• Competition between banks for depositors.
• Change of the key rate by the Central Bank of the Russian Federation
• The outflow of foreign investment and the blockade of the debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
• Changes in legislation (until December 31, 2015, a benefit was in effect: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount of insurance compensation on deposits from 700,000 rubles to 1,400,000 rubles. ).

Information for reference

The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the interest rate at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take funds from them for storage.

Attention!

It is the main indicator of monetary policy. Directly affects the level of interest rates on deposits. Since August 3, 2015, it has been equal to 11% and remains in effect until December 11, 2015. This is the fifth reduction in the key rate since December 16, 2014, when it was set at 17%.

Some confusion is caused by the concept of “refinancing rate”, which is also used when lending to private financial organizations, but since the introduction of the key rate, that is, from September 13, 2013, it is of a secondary and reference nature, and from January 1, 2016 it is equal to key rate, as stated in the document “On the system of interest-bearing instruments of the monetary policy of the Bank of Russia.”

In addition to the above, it is worth noting such a monitoring tool of the Central Bank of the Russian Federation as “The maximum interest rate of ten credit institutions that attract the largest volume of deposits from individuals,” which shows the average maximum interest on a deposit among the TOP 10 banks in terms of the volume of attracting deposits in Russian rubles.

Today, the Bank of Russia forms the “Big Ten” of the following banks:

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

This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on official websites.

In the third ten days of November 2016, according to the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions that attract the largest volume of deposits from individuals, the average maximum rate on deposits was 9.93%.

Advice!

In the first and second decades of November 2016, the rate was at 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.

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

Bank fees for increased risk are set as follows:

• if the interest rate on the deposit is not too high relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly deposit balance;
• if the level of the interest rate on the deposit does not exceed the maximum rate by 2–3%, the credit institution is charged a contribution at an additional rate of 0.12%;
• if the bank increases the level of the lending rate by 3% or more from the average maximum, then it pays an increased additional rate of 0.25%.

What conclusion should ordinary investors draw from this information? If the level of return on a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, which is why a private bank pays contributions to the DIA at an increased rate.

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

• The current average maximum deposit rate is 9.93%.
• The maximum recommended excess rate level is 3.5%.
• The maximum acceptable (with maximum risk level) deposit rate is (9.93% + 3.5%) = 13.43%.

So, in the winter of 2015, the best bank deposits were offered at rates of 10 to 11%, and with deposit returns above 13.7%, you may be dealing with either an unstable credit institution or one conducting risky operations.

To be fair, we note that at the moment, all deposits in one bank in the amount of up to 1,400,000 rubles are “under the protection” of the Deposit Insurance Agency (DIA), so the risk is assumed to a greater extent by the banking system than by depositors.

But there is little pleasure in the thought that you may encounter a bank whose license has been taken away or which has begun bankruptcy proceedings. On an annual basis, inflation in 2015 is at the level of 16%, but there are all the prerequisites for its significant slowdown in 2016–2017.

Having looked at the dynamics of the decline in the key and average maximum deposit rates, we can assume that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.

During the winter, the market comes alive with special seasonal products. Despite the fact that the number of interesting deposit offers is not so large, there are still banks that are ready to provide very attractive conditions. If you set out to find the best deposit in rubles or foreign currency, then this review will help you.

Ruble or foreign currency deposit?

The income and consumption of the vast majority of Russians are based on rubles. In this regard, a ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, rates on ruble deposits may rise, and it is advisable not to miss such a moment.

Warning!

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

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

If you are not one of these people, then investing in foreign currency should not be of particular interest to you. As mentioned above, the incomes and expenses of the overwhelming number of Russians are focused on rubles, which means they need to be saved.

Time deposit or on demand?

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

Time deposits are placed for a certain period, before the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A time deposit is often placed for a year, less often for several months.

Deposits with the longest storage period sometimes have the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.

Replenishable or non-replenishable deposit?

Deposits are classified depending on the degree of control the depositor has over the invested funds. When opening a non-replenishable deposit, any replenishment or withdrawal operations are prohibited - banks offer the most favorable conditions for placing funds.

Replenishable deposits allow you to add money to your account during the term of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer replenishable deposits, which allow the client to make outgoing and incoming transactions. As already mentioned, the best conditions are provided for non-replenishable deposits.

The best deposits in rubles

At the moment, banks offer deposits at an average rate of 10–11% per annum, the general trend is downward. Let us recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby causing an increase in deposit rates up to 21–22%.

Throughout the year, the indicator decreased: already in June 2016, the average rate on ruble deposits was 14–15%. Now the maximum profitability is at the level of 12–13%.

Experts' forecasts are very ambiguous: the majority expects a further decrease, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest rate on deposits (11%) is offered by Russian Standard Bank for a period of 1 year; interest is paid at the end of the agreement.

Moscow Credit Bank provides deposits with rates from 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa Bank" - up to 10%, "Raiffeisenbank" - up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is willing to offer.

The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in the event of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.

Best deposits in euros

The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on deposits in euros is about 2.5–3%.

Attention!

The leading banks are again not encouraging with high rates on foreign currency deposits: the average annual interest is about 1.5–2.5%. For example, an option for depositing in euros can be found at UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank St. Petersburg you can count on a rate of 2.8% when opening an on-line deposit for a period of 5 years in an amount starting from 50,000 euros. Interest is paid at the end of the deposit term.

"Moscow Credit Bank" offers a deposit from 100 euros for a period of 1 year with a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2–2.5%.

The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, due to doubts about reliability, and secondly, due to geographical location. In turn, the largest Russian banks are not ready to provide attractive conditions for deposits.

In the current economic situation, of course, it is more appropriate to focus primarily on the reliability of the bank. This will also serve to improve the health of the banking sector: ineffective banks will be automatically forced out of the market. However, we should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite reputable ones, with branches in many cities, confidently maintaining their positions in the market. Before contacting one of the largest banks, check the situation in your region.

Best deposits in dollars

The average rate for dollar deposits is about 2.5–3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered. At UniCredit Bank you can place a deposit of $20,000 or more.

Advice!

USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to B&N Bank deposits: by placing an amount of $25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).

The maximum rate on deposits of Bank St. Petersburg is 3.9%. Any investor can open a deposit with this percentage if he has $50,000 and 915 days before receiving income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8–3.5%.

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

How to choose a reliable bank to open a deposit?

I think many of you are asking yourself the question: “How to choose a reliable bank” when planning to open a bank account, apply for a loan or mortgage.

The interest in this topic is explained simply: firstly, this is another small step towards mastering the basics of financial literacy. Remember we talked about this in the article “Savings and financial literacy need to be learned”?

Secondly, this is the first small step on the path to the practical application of the acquired knowledge, which was pushed to me by a far from new and not at all original thought: “money should work.”

Warning!

How to do this? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?

I agree, we need to invest. But for me now it is very difficult and not entirely clear, I lack experience and knowledge. Therefore, to begin with, I decided to deal with that type of investing, which, in fact, is not investing, but rather a way of accumulating funds - bank deposits.

How to choose a bank for deposit

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

We don't feel stressed when we give our money to the bank. And we are not afraid of losing our money, because, you see, the risk here is minimal.

And there is no need for any special psychological preparation, which is simply necessary when investing in riskier financial instruments, such as real estate, mutual funds, Forex, PAMM accounts, investments in the stock market, in works of art, antiques, and precious metals.

But we don’t always know how effectively our money can work in different banks. Different deposits under different conditions and in different banks can bring completely different income.

Let's try to figure out together which banks are the most reliable, what kinds of deposits there are and how to choose the most profitable one among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what interest rate.

There are a lot of questions, let's go in order

The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was aggravated by recent events in Ukraine, fluctuations in the exchange rate of the ruble, and the closure of some banks. This created a certain tension around bank deposits.

And yet, we still, and in most cases, in the desire to save money “for a rainy day” or accumulate some required amount of money, open a deposit account in a bank.

To save or not to save?

Accumulating money in itself, as a process, I think, for most people is a boring and monotonous activity. You have to be a real Plyushkin to save money for the sake of money.

But if the realization of what you have long desired looms ahead, that’s a completely different matter.

Attention!

What exactly do you want to achieve? Buy an apartment, save up for a comfortable retirement, go on a trip around the world? This truly motivates and forces you to do something that just recently seemed like something out of the world of fantasy and unrealistic desires.

Goals will be achieved if they are set clearly and specifically. Believe it or not, this kind of thing has happened to me more than once.

Bank deposits (deposits)

So, the goals are defined. And we return to our deposits again. To make it clearer, let’s first understand the terms.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and under contractual conditions for the purpose of preserving them and generating income.

These are client funds that are subject to mandatory return upon expiration of the contract or upon the client’s first request. But while they are placed on deposit, they are managed by the bank.

This is a very popular banking product that arose almost at the same time as the banking system. Every Russian can open an unlimited number of deposits, both in one bank and in several at the same time.

What types of deposits are there?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pros or cons.

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

1. from the deposit term – demand deposits and time deposits
2. depending on the possibility of replenishment – ​​replenishable and non-replenishable
3. depending on the type of deposit currency - deposits in rubles, foreign currency or multi-currency deposits.

From the period of depositing money in the bank.

What is the difference between time deposits and demand deposits? For time deposits that are placed for a specific period (from 1 month to several years), interest is paid upon expiration of the agreed period.

If the client withdraws his money before the end of the period stipulated by the agreement, then the bank can return in full only the initial amount of the deposit, but interest on the deposit can be partially accrued.

Some banks may return the full accrued interest upon early termination of the agreement, but usually interest rates on such deposits are low.

Advice!

With a demand deposit, funds are placed for an indefinite period, returned to the client upon request, and the interest rates on them are much lower than on time deposits.

Replenishable and non-replenishable deposits

Everything is clear here. If the deposit is replenished, this means that additional amounts can be deposited into the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is not replenished, the initial deposit amount cannot be increased, and interest will be accrued only on it.

In what currency should I open a deposit?

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

A feature of multi-currency deposits: on one account you can place several amounts in different currencies, each of which will accrue its own interest.

It should also be taken into account that interest on foreign currency accounts is always lower than on ruble deposits.

How to choose the most profitable investment?

What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary reward that the client receives for providing the bank with his funds for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (term or “on demand” ), on capitalization and some other factors that we will talk about later.

Warning!

Let’s say right away that very high interest rates on deposits are not always a sign of a good bank.

Usually, after concluding an agreement, the bank cannot unilaterally change the interest rate, but there are exceptions (this applies to deposits with interest capitalization and extension).

How is interest calculated on deposits?

1. First option: at the end of the deposit period, interest is accrued on the original amount.
2. Second option: interest payments are made at a certain frequency (regular payments), for example, once a month or quarter. In this case, interest is transferred to a plastic card or other account.
3. Third option: capitalization of interest on the deposit.

This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be accrued on a larger amount.

This method of paying interest is sometimes called “compound interest” and can be made once a month, once a quarter, once a year, or at the end of the contract.

Attention!

As already noted, capitalized deposits usually have a lower interest rate, but the income may be higher.

And a few more concepts that need to be understood when referring to bank deposits.

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

If no extension is provided, the funds (principal plus accrued interest) will be transferred to the client's account and no interest will accrue from that point on.

In order to resume their accrual, you need to come to the bank and open a new account. However, you need to take into account that the extension does not apply to all types of deposits, and in order to use this service, it must be stipulated in advance in the contract.

To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes you may be asked to provide some second document, for example, a foreign passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.

Profitable deposits in 2017

So, we found out what types of deposits there are, how interest is calculated and what the conditions are for various deposits. We also figured out that the interest rate, which generally ranges from 3 to 10 percent, depends on many factors.

Bank rating

The goal you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Some people are satisfied with lower rates, but conditions such as the ability to replenish an account or withdraw partial money, capitalization, short investment period, and reliability are important.

You can often find good offers at banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks offer for a short time for some occasion.

Advice!

For example, if I wanted to save up for an expensive purchase, I would prefer a long-term replenishable deposit with monthly capitalization, albeit with a lower interest rate.

But in general, this method of investing, which includes bank deposits, is not the most profitable option today. The rates have been significantly reduced compared to what they were a couple of years ago. And to find, for example, a deposit at 10% per annum, you need to try very hard.

Moreover, you need to understand that there is such a rule: the more the bank offers deposit opportunities (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to find information about banks?

There are a lot of banks in our country that offer us their services. And sometimes the search for a suitable bank can take a long time. I hope these simple tips will help you navigate this issue.

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

Large international agencies (Fitch, Moody’s and S&P) work only with the largest Russian banks, and medium-sized banks do not come into their field of vision.

You can also draw certain conclusions by reading the bank’s credit reporting, which is published on the website of the Central Bank or on the website of the Bank of Russia. But perhaps only a specialist can understand these reports. We, ordinary clients, can try our luck on the Banki.ru portal, where the information is presented in a more accessible form that even a layman can understand.

Warning!

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

A sign of the bank’s reliability and stability is large assets at the moment and their increase compared to previous periods. The amount of its own funds (authorized capital) also indicates the reliability of the bank.

According to the Finmarket information agency, as of March 1 (the list has not changed as of April 1), the list of the largest banks in Russia includes: AK BARS, Alfa Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank , Bank "Vozrozhdenie", CB "Vostochny", VTB, CJSC "VTB24", GPB, MDM Bank, MInB, Moscow Credit Bank, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia", Sberbank of the Russian Federation, Svyaz-Bank, CB "Citibank", NB Trust, Uralsib, Khanty-Mansiysk Bank, HKF-Bank, UniCreditBank.

The need to assess the reliability of a bank based on an analysis of reporting, paying attention to such criteria as deterioration or violation of standards mandatory for a banking organization (which may lead to the revocation of a license), non-made own payments and difficulties encountered in repaying one’s own debts, large cash flows, which significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares (this may serve as a signal of big problems for the bank in the near future), for any sharp decline in balance sheet indicators without justified explanations.

Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although, it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank based on such an analysis of specialized reporting, it is quite possible to understand some of the main points, which will at least partially help reduce the level of risks.

2. For the size of the bank. The expression “too big to fail” is almost 100 percent applicable to large federal and regional banks. Information about their assets, which indicate the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks there are some that deserve attention.

3. On bad news about the bank, to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank’s page on the Banki.ru portal (about 600 banks have such a page on the portal) should, at a minimum, raise alarm bells.

4. For ratings to fall, which may be downgraded by rating agencies. The fact that credit institutions lack ratings is also alarming (which may indicate the bank’s reluctance to provide information to rating agencies in an attempt to hide something negative).

5. At high rates on deposits. Inflated rates that are significantly higher than the average level, or their sharp increase may be evidence that the bank does not have enough own funds. And, trying to attract more customers through offers that are more profitable at first glance, the credit institution is trying to pay off its debts. This may indicate increased risk.

How can you tell if the rate is too high or not? In this case, you can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions that attract the largest volume of individual deposits, published by the Central Bank. In March, the maximum deposit rate was 8.35%.

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

7. For problems that arise during monetary transactions (for example, delays in cash withdrawals, closure of deposits, quality of service), as well as mass closure of accounts by bank clients. You can learn about this from reviews on various forums.

Deposit insurance – additional security measures

What will happen to our deposit if we made a mistake and our bank went bankrupt or its license was taken away?

This issue worries all investors. In the case of bank deposits, there is no need to be afraid for your savings if they do not exceed the amount of 700,000 rubles.

Since October 1, 2008, our country has had a system of compulsory deposit insurance, and the banks themselves do this completely free of charge for clients. If such a problem happens and your bank is closed, within 14 days after the occurrence of the insured event, the deposit amount will be returned to you.

Deposit insurance system

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This point is worth paying special attention to.

That is, if you have several accounts opened in one bank for a total amount of, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and ensure that the amount in them does not exceed 700,000 rubles.

For example, if you deposit 500,000 rubles in two banks, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the deposit amount still exceeds 700,000 rubles, the remaining money must also be returned.

But all this will drag on indefinitely, and the return of the money will be possible only after the liquidation of the bank and the sale of its property.

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

So how to choose a reliable bank?

Before entrusting your money to a particular bank, be sure to check whether the bank belongs to the Russian deposit insurance system. This is easy to do: you can now find information on any bank on the Internet.

Warning!

To begin, select all the banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.

From this list, select deposits with the highest interest rates, having previously done a comparative analysis of profitability in different banks. The more you study offers on deposits and deposits, the greater your chances of finding the best option.

Find out whether the bank provides fees and commissions for any additional services (for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of early termination of the contract.

Read the contract carefully! The optimal solution, in my opinion: bank reliability and a relatively high interest rate. But we should not forget that sometimes an excessively high rate hides the bank’s big problems, which it is trying to solve at our expense.

A meaningful approach, careful analysis and leisurely decision-making will allow you to make the right choice. But at the same time, you shouldn’t delay making a decision; you need to value your own time, money and energy. Therefore, we stop dreaming, building castles in the air and start acting.