Which bank has the best rate on deposits? In which bank should I open a deposit at a high interest rate? Conditions for deposits

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 too.

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 price. 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.

Content

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

Rates on deposits of individuals

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

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

Interest on pension deposits

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

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

Interest on ruble deposits

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

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

Rates on foreign currency deposits

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

Interest rates on deposits in Moscow banks

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

The best programs for Moscow banks:

• “With the maximum rate” – 8%, Uralsib;
• “Vlad to the Future” – 10%, BinBank;
• “Partner” – 8%, Nevsky Bank;
• “Maximum income” – up to 8.4% from Sovcombank;
• “All inclusive Maximum income” - 8.5% from the Moscow Credit Bank establishment;
• “Financial protection”, in euros, 3.5% – Promsvyazbank;
• “For life”, in euros, 3% – UniCredit Bank;
• “Tradition of Success”, in euros, 2.5% – Promsvyazbank.

High deposit rates

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

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

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

Interest rates of reliable banks

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

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

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

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

Banks of Russia - interest rates on deposits

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

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

Deposit rates in Sberbank today

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

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

More popular offers:

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

Bank VTB 24

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

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

Rosselkhozbank of Russia

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

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

Deposit in Alfa Bank

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

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

Post Bank

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

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

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

Rating of banks by interest rate on deposits

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

Specify the features of the offers in the table:

Video: Interest rates on deposits in 2019

Discuss

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 €.

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money, which can be used in a variety of ways: hide the money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since interest on deposits in Moscow largely determines how much of the deposit will be added to the original one, many consider them the most important condition for the deposit and, on this basis, make the choice of program and bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• permanent or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow before the deadline;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other by the presence of capitalization.

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

In 2020, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

The deposit calculator on this page will help you quickly obtain all the necessary information on current deposits:

1. Enter your deposit requirements.
2. Get a complete list of current deposits in Moscow banks updated for today.

After this, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

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

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

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

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

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

• minimum amounts.

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

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