The most profitable cash deposits with interest. Which bank has the most favorable conditions for deposits and a high percentage of the deposit. Ruble or foreign currency deposit

It may take a lot of time to view all the profitable offers in Moscow banks. On the official websites of banks there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly familiarize yourself with the full list of options and their main conditions. A large selection of available deposits makes it possible not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The “Deposits of the Month” section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment amount. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Advantages of our service

The site has created a convenient filter that allows you to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow using one or several parameters at once. To do this, you can specify in the filter:

• minimum amount;
• currency;
• validity period of the deposit agreement;
• additional possibilities for using the deposit.

The issuance results are arranged according to one of two possible principles - interest rate or rating. The rating is calculated automatically by our website, taking into account the main characteristics of convenience and safety of working with the bank, such as:

• deposit profitability;
• bank reliability;
• availability of additional options;
• availability.

These characteristics give an idea of ​​the bank even before you start working with it. You can independently set the sorting principle and quickly find the necessary information on any of the products presented on our website.

Current offers

In the list for issuing current offers at the moment, the maximum percentages and terms of cooperation are as follows:

• interest rate - up to 10.25%;
• minimum deposit amount - from 1,000 to 500,000 rubles;
• storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the current products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest events in the banking market will be regularly sent to your email address. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

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 has them about the same as 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.

All banks are interested in attracting as much depositors' funds as possible to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by ease of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.

It’s easy to choose the highest percentage, but what to do if you urgently need money? This is where savings programs with the right to partially/fully withdraw money come to the rescue. Having cashed out some of the funds, the client does not close the deposit, and in some cases does not even lose interest.

If you have available funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “income” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract term without the ability to manage and use funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in different banks are relatively equal:

• You need to choose a specific offer.
• Deposit an amount not lower than the specified minimum.
• Present an identification document.

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

Income deposits

• Bank of Moscow “Correct answer”

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

• BinBank

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

• PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

• VTB 24 "Profitable"

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

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

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

Replenishable deposits

• Bank Trust "Accumulative"

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

• PromSvyaz Bank "Maximum Opportunities"

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

• Gazprombank "Accumulative"

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

• VTB 24 “Accumulative”

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• RaiffeisenBank "Personal Choice"

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Replenish"

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

Deposits with early withdrawal

• Bank Trust "All inclusive" with the ability to top up your account

Interest rates are up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

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

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, 1000 $ and 1000 €.

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.