Interest on deposits in dollars. Deposits in US dollars: where to look for the best rates. Benefits of using Creditznatok for your own benefit

Deposits in foreign banknotes are popular among domestic investors, since the currencies of many foreign countries are less susceptible to inflation.

For example, if 100 US dollars lie on a foreign currency deposit for one year, then the likelihood that, together with accrued interest, you can make the same number of purchases as before opening the account is very high.

Increased interest in foreign currency deposits is observed at a time when the domestic and foreign financial markets are going through hard times, as the prevailing opinion is that the euro and dollar are more protected from sudden fluctuations than the Russian ruble. However, given the current political and economic situation, it is difficult for even the most experienced financial experts to predict the exchange rate of foreign currencies in relation to domestic ones.

Advantages of foreign currency deposits

1. The currencies of some countries tend to rise against the ruble;
2. opening one or more deposit accounts (the second option is more profitable) in foreign currency essentially diversifies financial risks. If the value of the ruble decreases sharply, compensation will occur due to an increase in the dollar exchange rate;
3. To open a deposit, you can use not only the dollar and ruble classics, but also British pounds sterling, French francs, Japanese yens and the now popular Chinese yuan. In this case, the profit may be small, but protection of funds from inflation is guaranteed;
4. putting savings into a foreign currency account is beneficial if a person makes most of his purchases in foreign currency;
5. Almost all domestic banks work with foreign currency deposits, and the minimum deposit threshold is 50 dollars or euros. You can also deposit money in rubles, since the funds will be converted according to the current exchange rate;
6. all options regarding ruble deposits are applicable for foreign currency deposits (replenishment, capitalization, partial withdrawal, as well as the possibility of remote account management);
7. State deposit insurance also applies to foreign currency deposits (700 thousand rubles in terms of dollars, euros, etc.).

There are few disadvantages to foreign currency deposits- only one. And it lies in the fact that banks offer rates for deposits in foreign banknotes that are 40-100% lower than for placing funds in Russian rubles. Therefore, if we talk about economic benefits, then foreign currency may not rise in price against the ruble, as a result of which the ruble deposit will be much more profitable.

In what currency should I deposit?

Despite the possibility of storing any banknotes in banks, in practice foreign currency deposits in banks open only in dollars or euros. One of the advantages of this type of storage of capital is the independent determination of the terms of agreements, which include the amount of the initial contribution, deposit, currency, terms, method of replenishment and other nuances.

The market for foreign currency savings is stable. Despite the fact that foreign currency deposits are inferior to the return on the Russian ruble, which can reach 12.5% ​​per year, many compatriots prefer to open deposits in foreign currency. Deposits in banks are “time” and “on demand”, which are more popular among the population.

In unstable economic conditions, it is better to store savings in a multi-currency basket. Profitable foreign currency deposits in banks directly proportional to the amount and period of storage of capital. The disadvantage of this method of currency accumulation and increase is the instability of world currencies, which is almost impossible to predict. And there is no guarantee that large savings may lose value over time.

The highest interest rates on deposits in foreign currency

The most interest on deposits in foreign currency is the sum of two components: bank interest + exchange rate growth.

For example, a dollar deposit at 6% per annum, over the year the dollar against the ruble grows, for example, by 15%. As a result, your final percentage is 21.

• That is, when choosing a deposit and currency, you need to look not only at the ratings:
  Rating of deposits in US dollars

Among the largest banks in terms of foreign exchange rates, Bank St. Petersburg is the leader; there are similar offers in Sberbank. Among smaller banks, the leaders are Orient Express Bank and Tinkoff Credit Systems.

A preferential rate of 7.5% for pensioners with a minimum down payment of $100 and presentation of a pension certificate is offered by the Holding-Credit financial group, which provides monthly payments or capitalization of interest.

For long-term storage of foreign currency (over a year), the maximum income (9.82%) is guaranteed by the Moscow branch of Oksky Bank. Second on the list is the Central Bank (9% with a minimum amount of $10,000 for a period of over 2 years). Altaienergobank promises 8.5%.

According to statistics, the most profitable foreign currency deposits Banks offer regional financial institutions with small assets.

In 2012, high interest rates were in the Tinkoff Credit Systems financial group, which, in addition to the maximum annual rate, offers a bonus of 1.5% when transferring funds from other financial organizations, as compensation for the commission. So, when opening a short-term account, the income is 11.53% (minimum deposit $1000). In second place by a wide margin is Tembre Bank OJSC, which guarantees a profit of 8.5%.

Decide on the deposit currency: dollars, euros or a multi-currency solution. Experts also recommend paying attention to

Do you want to make a bank deposit for 1 month in US dollars, but do not know which financial institution currently provides the most favorable interest rates in Moscow? This problem is relevant for many residents of the capital, because there are many financial institutions, and it is quite difficult for an ordinary investor to choose the optimal offer among them. Our service will help you decide where exactly to open a deposit in US dollars and euros. We have collected and regularly update data on what interest rates Moscow banks provide and under what conditions. Every day our clients have the opportunity to make profitable foreign exchange investments, save their own funds and significantly increase them.

To find out the highest percentages of banks, or the conditions for the provision of services by financial institutions, use the special search form on this page. You can receive an answer to your own queries only after entering the following data:

• the amount of the deposit that is planned to be opened;
• the name of the banks for which you would like to receive information;
• name of the locality where you want to open a foreign currency deposit;
• deposit currency (euros, dollars);
• longest investment period (1 month, year, etc.).

You can sort the results (set a rating) by interest rate, time, deposit size. After entering all the necessary parameters, click the “Find” button. As a result, you will receive all the necessary and relevant information for today, which will allow you to make profitable deposits in dollars in banks in Moscow and other cities of the Russian Federation.

Advantageous bank deposits in US dollars

Based on the search results, you will find out the existing rating of financial organizations that offer the highest bank interest rates and the best terms of cooperation. By comparing such data, you can choose the best offer for yourself. After selecting a bank, you should click the “Apply” button to submit the appropriate application. Soon, after a quick review, a bank representative will contact you to clarify all the nuances of cooperation.

Our ratings include only verified banking organizations that have been providing financial services for more than one year in Moscow. Remember, by choosing the highest deposit percentage, you not only take care of the safety of your own capital, but also significantly increase your funds. Money that is placed on a short-term deposit (for example, 1 month) will allow you to quickly earn a certain amount. With a long-term deposit, the amount is guaranteed to remain completely safe and will increase in proportion to the interest rate.

Benefits of using Creditznatok for your own benefit

Today we are the best service for monitoring existing banking offers, which allows you to quickly determine favorable interest rates of banks on dollar deposits. To provide only relevant information, we analyze the current situation in the financial services market on a daily basis. Every citizen of the Russian Federation can use our portal for their own purposes. By comparing deposit rates in US dollars and euros, you can significantly enrich yourself without much effort. It should be understood that currency fluctuations, with skillful management of financial resources, are used to increase the capital itself. The current interest rate on deposits will help you choose a bank with the most favorable conditions. Creditznatok specialists work to satisfy the financial needs of every resident of our country.

It's no secret that everyone has at least one issued loan: many of us are accustomed to living “on credit.” However, recently the financial literacy of the population has been growing: we are starting to look for other options for optimizing and replenishing our budget. Foreign currency deposits in Moscow are becoming increasingly popular. By converting savings into foreign currency, they protect against capital depreciation, and through interest payments, they allow you to generate income.

Interest on multicurrency deposits in Moscow

If you decide to open a foreign currency deposit in Moscow, then do not rush to take your money to the first bank that promises big income due to the highest rates on deposits in foreign currency. In fact, in order to assess the level of profitability of a deposit, you need to study all the nuances of its functioning:

1. You give the bank your savings (a minimum limit is set for each deposit) for a certain period (there are options for permanent deposits, which can be closed at any time).
2. During this period, the bank is not only guaranteed to keep your savings in a specified currency, but also actively uses them as part of its capital.
3. As soon as you want to withdraw money, the bank takes it out of its circulation and gives it to you with interest in the deposit currency.

As a result, foreign currency deposits in Moscow banks should be considered as a set of conditions such as amount, term and interest, which can be obtained precisely because the bank has the opportunity to use the amount on deposit within a certain period. Consequently, the more comfortable the conditions of your multi-currency deposit in Moscow or a deposit in one foreign currency for the bank, the higher interest on deposits in foreign currency you can receive.

Accordingly, high interest rates on foreign currency deposits in Moscow imply some restrictions for the client:

• since the bank has already planned that it will use your money for a certain period, it establishes a ban on closing the deposit before this period;
• if suddenly the deposit is open-ended, then the bank still sets a period during which it must be notified about the closure so that it can painlessly get the required amount from circulation;
• During the term of the agreement, you cannot withdraw part of the money placed on the deposit.

For compliance with these conditions, the bank pays the highest interest rates, but for violation it can reduce the initial rate to the minimum possible. Therefore, carefully evaluate your financial capabilities before opening a deposit.

Which bank in Moscow is better to open a deposit in foreign currency?

To open a multi-currency deposit or a deposit in one foreign currency, you will have to spend some time searching and collecting all the necessary information on the options presented on the market (Sberbank, VTB, and almost all Moscow banks work with deposits in foreign currency).

To find and choose your most profitable option for individuals' deposits in foreign currency in Moscow as quickly and effortlessly as possible, use special online deposit calculators for foreign currency deposits in Moscow. Based on your individual requirements, which you enter in the appropriate form, the system will select and display a complete list of suitable deposit options for 2019.

As a result, in one place for each current deposit option you will receive the following information:

• validity period of the deposit;
• interest rate (per year);
• final income (for a specified period: usually a year).

You can quickly make the right and informed choice, and then immediately submit an online application for a deposit in foreign currency and proceed to registration.

Content

It is important for every person not only to save, but also to increase their savings. Financial institutions offer Russians various deposit programs. Before choosing an option for a profitable investment, it is worth considering the available deposits in Moscow banks at the maximum interest rate with different conditions, rates, terms of placement of funds and available operations. All deposits differ in currency, presence or absence of capitalization, method of interest payment and other parameters.

Profitable deposits in Moscow banks

In the Russian capital, there are more than 50 different financial institutions offering the population different types of deposits, so choosing the best option for yourself is difficult. To deposit money at the maximum interest rate, you need to determine the important parameters of the future account:

• currency;
• possibility of replenishment;
• the ability to perform expense transactions;
• reliability of the financial institution.

In addition, the most profitable deposits in Moscow should be selected according to the conditions. For those who would like to quickly accumulate a significant amount, banks develop time deposits for 2, 3 and 6 months. Another investment option is partnership programs with insurance organizations. In this case, the client takes out a life and health insurance policy and receives attractive deposit conditions. Russians can open deposits in Moscow at a high interest rate in banks that service their salary cards. Issuers are constantly preparing special programs with increased rates for their clients.

Profitable deposits in rubles

It is worth noting that the rate on ruble deposits is much higher than on foreign exchange programs. If the client plans to spend money in Russia in the future, then choosing dollars or euros for investments would be inappropriate. Financial institutions in the capital offer a large selection of deposits for individuals. Before placing your money in an account, you should not only read the terms and conditions, but also check the bank’s reliability rating. Sometimes high interest rates on deposits are offered by unreliable financial institutions in order to attract capital.

When choosing an organization for storing and increasing savings, it is worth considering that ruble deposits in Moscow banks with rates of more than 11-12% per annum are, as a rule, just a publicity stunt and should raise certain suspicions. Large financial institutions, such as VTB 24, Sberbank of Russia, Alfa Bank, offer rates on ruble accounts of no more than 8.5%.

Check out the profitable deposits in Moscow today in the table:

Deposits in foreign currency at high interest rates

Modern financial institutions offer a wide range of services and products. Deposit programs provide for the opening of not only ruble accounts, but also foreign currency ones. This investment option is especially relevant for those who plan to spend their money abroad, avoiding unprofitable conversion. Many financial organizations in Moscow offer foreign currency deposits at high interest rates. However, the rate on such programs is significantly lower than on ruble deposits. The table below presents the most attractive offers for residents of the capital:

Pension deposits

Most credit institutions offer special conditions for deposits for pensioners. For this category of the population, maximum interest rates and preferential parameters for early account closure are available. A pension deposit with a high interest rate is opened only if you have the appropriate ID and passport. If the client receives a pension through a financial institution, then the money can be invested through the issuer’s remote service system.

Before making a final decision, compare the advantageous offers of Moscow banks for this category of citizens. See the table for specific deposits in Moscow banks at the maximum interest rate for pensioners:

The best deposits in Moscow banks

Every potential investor is interested, first of all, in the profitability of the deposit. All investments up to 1.4 million rubles are under state protection. However, the best interest rates on deposits in Moscow banks can be found among offers from far from the most reliable financial organizations, subsidiaries or franchisees that have opened recently and for a short period of time. Rules:

• Before you start drawing up an agreement with the issuer, you should make sure that it is in the top 10, 20 or 50 best.
• Placing funds at a higher interest rate guarantees a decent income, and cooperation with a reliable issuer guarantees peace of mind.

Valid for up to a year

For those who plan to receive maximum income in a short time, there are time deposits. Such products are designed for 3-6 months, after which the investor receives his money along with accruals. Deposits for 6 months at a maximum interest rate are especially convenient when you need to save up for a vacation, purchasing a car or repairs, because they allow you to save and increase your savings.

Look at the table for offers with a period of 6 months:

Bank deposits for a year

Most financial institutions are ready to offer maximum interest rates on bank deposits, subject to long-term placement of funds in accounts. Offers designed for 12-36 months provide high returns and great opportunities. When choosing the optimal option, you can make a comparison by:

• conditions;
• minimum amounts;
• availability of capitalization and other parameters.

Residents of the capital can open a deposit for 1 year using one of the offers from the table below:

Reliable deposits in Moscow banks

All capital banks have their own line of deposits. When considering different offers, some clients pay more attention not to possible income, but to the rating of the issuer company. You can choose a reliable bank with high interest rates on deposits from the list below. All organizations are included in the official top 10, have an impeccable reputation, and a high rating.

Offers from the most reliable banks in Moscow:

• “Profitable online” from VTB 24 provides income of up to 7.55% per annum. The account is opened for a period of 3 months to 5 years, subject to placement of at least 100 thousand rubles.
• “Classic” from Rosselkhozbank. The product is designed for different categories of clients, so you can open an account in any currency for a period from 1 month to 7 years. The client must deposit at least 3 thousand rubles into the account. The yield under the program reaches 8.2% per annum.
• “Promising” from Gazprombank. To open a deposit, the client must deposit an amount of at least 15 thousand rubles into the account. Domestic or foreign opening currency available. The rate is calculated individually, up to 8%. The deposit is valid for up to 3 years.
• “Memory of Generations” from Sberbank. This product was developed specifically for Victory Day. Clients can grow their savings and help military veterans at the same time. The rate is calculated individually, the maximum available income under the program is 7% per annum. To open a deposit, you need to deposit at least 10 thousand rubles.

Rating of deposits in Moscow banks today

Those who believe that savings should provide additional income should consider the current offers of financial institutions. Maximum rates can be obtained as part of current promotions and seasonal offers. The rating of deposits in Moscow banks is formed on the basis of customer reviews and the conditions offered by issuers. Although it is difficult to combine reliability and maximum profitability, it is important not to neglect the reputation of issuers. Below are the popular offers of Moscow banks with a detailed description of the parameters.

Asia-Pacific Bank – Investment deposit

One of the most attractive offers is the ATB product. The deposit parameters are as follows:

1. The offer is available to clients who have issued an ILI policy from a bank partner.
2. The term for placing funds on the account is 6 or 12 months.
3. The amount is not less than 167 thousand rubles.
4. The currency is national.
5. The maximum rate is 10.5%.
6. There are no outgoing or incoming transactions.
7. In case of early withdrawal of funds from the account, all accruals are canceled automatically.

Inkarobank – “High Interest” deposit

This offer will be an excellent option for those who plan to accumulate a decent amount over time and increase it. The deposit parameters are as follows:

1. The account is opened in domestic or foreign currency - your choice.
2. The down payment must be at least 200 thousand rubles.
3. Additionally, you can deposit funds with restrictions (at least 20 thousand rubles).
4. Interest is paid every month to a separate account of the client.
5. Deposit term: 1-12 months.
6. Expense transactions on the account are not available.
7. If the client withdraws cash early, the issuer recalculates charges at the minimum rate.

Krosna-Bank – term deposit

This offer for Moscow residents is different in that bank interest increases along with the amount in the account, so the client can receive a maximum income of up to 9.33%. The conditions are as follows:

1. The minimum amount to open an account is 30 thousand rubles.
2. Placement period: 6-18 months.
3. Accruals are paid to the client quarterly.
4. Interest capitalization available.
5. Replenishment without restrictions, no later than 3 months before the end of the deposit period.
6. Rate: 8.26-9.33%.

Krylovsky Bank – “Suitable” deposit

This proposal is no longer relevant for Moscow residents. However, those who previously opened a deposit continue to receive income under the following conditions:

1. Amount: from 50 thousand rubles.
2. Duration of placement of funds: 91-540 days.
3. Replenishment is available from 30 thousand rubles.
4. Capitalization of interest is provided.
5. If an account is closed early, interest is recalculated only for the current quarter.

Bank Standard-Credit – “Term” deposit

For those who are looking for maximum income that grows with the amount deposited in the account, the offer from Standard-Credit Bank will be very tempting. Income transactions are available on the account, regular capitalization of interest and progressive accrual are provided. The main parameters of the product are presented below:

1. Duration: 1-12 months.
2. Amount: not less than 100 thousand rubles.
3. Replenishment is available with restrictions (from 20 thousand rubles).
4. Monthly interest payments into a separate account are available.
5. The interest rate is constantly growing, the maximum income is 9.93% per annum.
6. If the account is closed early, interest is recalculated at the minimum rate.

Bank Modern business standards – “Urgent replenishment”

For those who plan to save a substantial amount, this product will be an excellent solution. The deposit provides for income transactions, an increasing rate, the maximum amount of which is 8.5% per annum and the payment of accruals after closing the account. Below are the main conditions for Moscow residents:

1. Duration: 1-2 years.
2. Currency: domestic, foreign.
3. Amount to open an account: at least 15 thousand rubles.
4. The interest rate depends on the selected currency: 8.25-8.5% (rubles) / 1.45-1.6% (dollars) / 0.55-0.60% (euros).
5. If the account is closed early, income is recalculated at the minimum rate.

Inbank – “Constructor” deposit with interest payment at the end of the term

This offer is suitable for those Moscow residents who want to constantly receive profit from their savings. Interest is paid every month to the owner's separate account. The main parameters of the program are as follows:

1. The minimum amount to open an account is 700 thousand rubles.
2. Deposit validity period: 1-36 months.
3. Receipt/expenditure transactions are not provided.
4. Rate: 7.55-9.38%.
5. If an account is closed early, income is recalculated at a minimum rate of 0.1%.

Bank Round – “Classic” deposit

This offer is suitable for different categories of citizens. The account is opened when placing a small amount and can bring income up to 8.3% per annum to its owner. The advantage of the product is attractive rates on foreign currency accounts. The conditions for the “Classic” deposit are as follows:

1. Currency: national, foreign (euros, dollars).
2. The first payment is at least 1100 rubles (or equivalent).
3. Deposit validity period: from 1 to 36 months.
4. Additional contributions and capitalization of interest are not provided for by the program.
5. Early withdrawals are not available without loss of accruals.
6. Maximum percentage: 8.3% (rubles), 5% (euros) or 5.5% (dollars).

Bank Our Home – “Profitable” deposit

This offer is universal for different categories of clients. The client can choose the appropriate currency, term and other parameters taking into account his own preferences. For foreign currency accounts, the deposit does not provide for high income, but a ruble deposit brings the owner maximum accruals of up to 9.5% per annum. The program conditions are as follows:

1. Duration: 1-36 months.
2. Currency: rubles, dollars, euros.
3. The minimum deposit to open an account is 100 thousand rubles.
4. Income: 7-9.5% per annum.
5. Interest is paid upon account closure.

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