The most favorable interest rates on bank deposits. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals. Choosing the right investment

Why are deposits with monthly interest withdrawal profitable today?

Many people today talk about the need to create so-called “passive income”. Deposits with monthly interest accrual are one of the forms of obtaining such income.

They are also called “rental”, because their operating principle is similar to making a profit from renting out an apartment.

In order to receive a decent income every month, you need to invest a large amount at once. Therefore, when choosing a bank for such a deposit, it is important to consider not only the interest rate, but also the reliability of the investment.

What are the most profitable deposits with monthly interest payments today?

In this review, the site’s correspondents have collected the most profitable deposits with monthly interest payments offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles and for a period of 1 year.

Deposits with monthly interest withdrawal in banks from the top 10

Deposit “Simple and profitable”

Replenishment / Without partial withdrawal / Without capitalization / % monthly

Deposit “Fixed income”

Deposit "Profitable"

No replenishment / No partial withdrawal / Capitalization / % monthly

Contribution " Save»

No replenishment / No partial withdrawal / Capitalization / % monthly

Deposit “For Life”

Post Bank

Deposit "Profitable"

Replenishment / Without partial withdrawal / Capitalization / % monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals?

The longer the deposit term, the greater the difference in profitability on deposits with capitalization and interest payment to the account. Bank offers with interest payments to another account, that is, without capitalization, are interesting to those who want to use deposit income to finance their current expenses, explains Anastasia Gileva, manager of the Absolut-Bank operational office in Ufa.

Are deposits with monthly interest withdrawal insured?

Yes. Individuals' funds held in bank deposits and accounts, including foreign currency ones, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the rate established by the Bank of Russia on the day the insured event occurred.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and the DIA (www.asv.org.ru), as well as via the free DIA hotline 8-800-200-08-05 .

Conclusion: deposits with monthly interest payments or capitalization?

Deposits with monthly interest accrual can be of two types: with capitalization or payment of income to a separate account.

✓ Deposits with capitalization are advantageous in that the real return on them is higher due to the constant increase in the deposit amount due to the accrual of interest.

✓ Monthly interest payments are necessary for those who plan to spend income from the deposit. This is an alternative to receiving passive income from renting out real estate. As a rule, money is transferred to a separate account or card so that it is convenient to withdraw it, says Victor Davidenko, an expert on the site on deposit programs.

Please note that the above conditions and interest rates of deposits for individuals are not a public offer and cannot serve as an indication for choosing a specific deposit. This list is not the basis for unambiguous conclusions about the reliability and (or) financial stability of these banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions made based on it.

Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to make money. One way is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.

Deposits from individuals - a traditional way of investing money

There are many ways to invest money to earn passive income. You can buy a currency and wait for it to rise in price, you can make money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring quite high profits, but are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way of investing savings in Russia.

Choosing the most profitable investment: what to pay attention to

When choosing a bank to entrust money to, depositors usually pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of your savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts from the agency website tried to do this by studying the conditions of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable Russian banks today?

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of deposits in different banks “to a common denominator,” we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. The estimated amount was 1 million rubles. They also tried to exclude the so-called investment or complex proposals with the obligatory investment of money in insurance, mutual funds or shares. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

The most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / No partial withdrawal / No capitalization / Interest at the end of the term

Bank FC Otkritie

Deposit "Reliable"

No replenishment / No partial withdrawal / Capitalization / Interest accrual at the end of the term.

Promsvyazbank

Deposit “My income”

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Deposit "Savings account"

No replenishment / No partial withdrawal / Capitalization / Interest accrued monthly.

Post Bank

Deposit "Capital"

No replenishment / No partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

“Save” deposit

Without replenishment / Without partial withdrawal / With capitalization / Monthly interest accrual in Moscow banks >>

Main types of deposits of individuals

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

✓ time deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot take it back without losing interest or replenishing the account.

✓ replenished deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but you will be sorry for the lost profits. So, when planning to make a deposit in a bank, it is better to decide in advance when you will withdraw the money so as not to lose income.

When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP 50 credit institutions in the country were used in order to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust – 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers a special program for people of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.

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?

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.

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

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

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

Description of important points

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

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. Moreover, this type of deposit is divided into savings and accumulative, which is intended for periodic replenishment (popularly called a “piggy bank”).

The second option - on demand - comes at a low rate. The thing is that it is not profitable for an organization to keep finances for itself, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and potential profits are of little interest to them.

Online assistant

On the website you will find current products on the market. Reliable information is collected here, which our specialists check and update daily. By comparing services according to their main parameters - and this is the interest rate, opening cost and commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, successfully operating for more than ten years. All offers displayed on this page are the best or most profitable solely in the opinion of Banki.ru experts