Deposits with a higher rate. Profitable deposits in reliable banks at high interest rates. Deposits in Alfa Bank

Recent years have been characterized by various shocks in the Russian economy, which include changes in currency quotes, a sharp decline in the price of oil, rapid growth of inflation, as well as the bankruptcy of banking institutions. All this gives Russian citizens reason to think about their future. Of course, everyone at least somehow tries to save their money.

The easiest way to preserve your savings is to keep them in bank deposit accounts.

Current situation with deposits.

Those who have been participating in the Russian financial market for several years now, investing their funds in deposits, say that it is unprofitable to place money in short-term deposit accounts. Currently, there is a tendency for almost all Russian banks to reduce interest rates on deposits. Therefore, funds should only be invested in long-term deposits, unless, of course, the deposit is a way to preserve savings from inflation.

Many experts say that Russian banks have no motivation to raise their interest rates on deposits. This was primarily influenced by the large amount of bank liquidity. This situation will continue in 2017. Already at the end of 2016, there was a noticeable decrease in the lending activity of Russian citizens due to high interest rates on loans. Thus, banks cannot convert their liquid assets into loans, which means that there is no need to attract deposit funds.

Already in 2016, Sberbank reported a decrease in the deposit percentage by 1 percent for ruble deposits and by 0.5 percent for foreign currency deposits.

The reduction in deposit rates is also typical for other Russian banks. The list of Russian banks with the highest interest rates will be presented below.

Interest rates in Russian banks.

Let's look at which Russian banks can provide the highest interest rates on deposits in 2017:

"Baltinvestbank".
The name of the contribution is “Champion”. Duration – 1 year. Interest rate – 10.2%.

"Russian standard".
The name of the deposit is “Maximum”. Duration – 1 year. Interest rate – 10.0%.

"MosOblBank".
The name of the deposit is “Personal”. Duration – from 90 days. Interest rate – 9.7%.

"RIA Bank".
The name of the deposit is “Fixed Income”. Duration – 1 year. Interest rate – 19.6%.

"Binbank".
The name of the deposit is “Maximum”. Duration – 1 year. Interest rate – 9.4%.

Home Credit.
The name of the deposit is “Profitable Year”. Duration – 1 year. Interest rate – 8.75%.

"Yurga".
The name of the deposit is “Universal”. Duration – 1100 days. Interest rate – 8.5%.

"Bank of Moscow".
The name of the deposit is “Maximum”. Duration – from 90 days. Interest rate – 8.75 – 9.0%.

"VTB 24".
The name of the deposit is “Profitable”. Duration – from 6 months. Interest rate – 8.0%.

"Rosbank".
The name of the deposit is “Profitable”. Duration – from 6 months. Interest rate – 6.9%.

"Sberbank".
The name of the contribution is “Save online”. Duration – 1 year. Interest rate – 6.85%.

Taxation of deposits.

Every investor should not forget that it is necessary to pay tax on the income received. Taxation is provided for ruble deposits if the interest rate on deposits was 5% higher than the refinancing rate. Foreign currency deposits with an interest rate of more than 9% per year are also taxed.

The tax rate for residents of Russia is 35%, and for residents of other countries – 30%.

Deposits in Moscow at high interest rates in 2018: compare the rates and conditions of the most profitable bank deposits today for individuals, including pensioners.

Deposits at high interest rates in Moscow banks - 2018

Individual deposits are by far the most popular and sought-after way to invest money. By giving our savings to banks, we hope not only to save, but also to increase our funds. That’s why we try to choose deposits where the interest rates are the highest and the conditions are the most convenient.

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

Time deposits at maximum interest rates. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot withdraw money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.

Replenishable deposits. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw even a small amount of funds from the account without losing income.

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

The most profitable deposits in Moscow in rubles in 2018

In this comparative table, we have collected ruble deposits of individuals with the maximum interest rates that Moscow banks offer today.

Bank International Financial Club Deposit “Confident Choice”

Natsinvestprombank Deposit “Choice of Success”

• See what interest rates on deposits are offered today

Bank ZENIT Deposit “Dessert (online)”

Bank Klyukva Deposit “My Profitable”

Bank standard-credit Deposit "Urgent-Lux"

Inkarobank Deposit “Time of Discovery”

• See the conditions under which you can open a bank deposit today

Ziraat Bank Moscow Term Deposit

Bank New Age Deposit “VIP Top up”

Inkarobank Deposit “High Interest”

Deposits in Moscow at maximum interest rates in dollars

In this comparative table, we have collected dollar deposits of individuals with the maximum interest rates that Moscow banks offer today.

Bank "St. Petersburg" Deposit "Strategist online"

SMP Bank Deposit "Strategy"

Binbank "Investment in the future (Accumulative insurance)"

Alfa-Bank Deposit “Pobeda+ (Maximum+ package)”

Inbank Deposit "Maximum"

Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"

Oriental Express Bank Deposit "Vostochny (tariff zone 1)"

Promtransbank Deposit “Term in foreign currency”

Mosoblbank Deposit “Personal”

Which bank in Moscow is better to open a deposit?

When choosing a bank in Moscow for making a deposit, today you should first of all evaluate the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is insured against a fall. Of course, except for systemically important banks, which the Central Bank will most likely rescue in any case.

Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so it is possible to get your money back even if the bank fails.

How to open a bank deposit correctly

In pursuit of a high percentage, you can now secure your savings by choosing not even the most reliable bank for your deposit. Today it is more important to correctly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the amount that the DIA will return to you in the event of revocation of the license. It is better to break a large amount into parts and distribute it among several banks in Moscow at the most favorable interest rates.

You should also not open large deposits in one bank for yourself and close relatives. In the event of an insured event, you may be accused of allegedly wanting to deceive the DIA in this way.

It is also important to ensure that your deposit is actually opened and taken into account in the bank’s accounting department, and not taken off the balance sheet (similar cases have already happened), otherwise it will be difficult to prove the existence of a deposit.

The best interest rates on deposits in Moscow

When choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawal of money. Stops at deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If you think that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are time bank deposits for six months or a year. You can make a deposit for this period in order to get the highest rate, and then withdraw the money and deposit it again, perhaps in another bank in Moscow, which at that time will offer a more favorable interest rate.

Investment deposits in Moscow with maximum interest

Fighting for clients' money, banks have recently increasingly offered so-called investment deposits. According to their terms, the client, at the same time as registering a bank deposit, purchases, for example, securities or transfers a certain amount to a mutual investment fund. The interest rate on such deposits is usually higher than on others. But before you are flattered by a big income, check whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or whether it is better to choose a less profitable way of investing money, but a more reliable one.

Profitable deposits in Moscow banks with increased interest rates

When choosing the most profitable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a premium to the interest rate.

In addition, deposits in Moscow banks for premium clients have an increased interest rate. Signing up for service packages with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions in your account; sometimes it is enough to purchase a platinum card, which can really be convenient for you.

In a word, if you want to invest a large amount, then compare what will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles in a reliable bank with state participation.

Find out more about the conditions and interest rates of today's best personal deposits in Moscow on official websites or in bank branches. The information is not a public offer.

Even in a difficult economic situation in 2019, there is an opportunity to invest money in order to make money. One way is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.

Deposits from individuals - a traditional way of investing money

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

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

Choosing the most profitable investment: what to pay attention to

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

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

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

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

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

In order to somehow bring the parameters of deposits in different banks “to a common denominator,” we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2019.

For the purity of the experiment, we compared rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

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

Sovcombank

Deposit "Record percentage"

Replenishment / No partial withdrawal / Interest accrued monthly.

Rosselkhozbank

Deposit “Profitable (online)”

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

Promsvyazbank

Deposit “My income”

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

Post Bank

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

Gazprombank

Deposit "Savings (online)"

In 2019, deposits for 6 months are very popular. This is partly due to the difficult period that the Russian economy is going through today. Not many people are now ready to plan their income and expenses for a long period of time, and therefore prefer investments for a short period of time.

Bank deposits with interest for six months are a good way to invest money; taking into account this, you can get a high rate and not part with your funds for a long time.

Which deposit should I make for 6 months to get the maximum interest?

This page contains deposits with a high rate for a period of 6 months, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is structured in the form of a rating from the highest percentage to the lowest. Everyone can compare conditions and rates to choose the best offer.

Deposits for six months with a high rate in large banks

Contribution "At the Top"

Credit Bank of Moscow

MEGA Online deposit

Without capitalization / Payment of interest monthly / Without partial withdrawal / Replenishment

Post Bank

Deposit "Capital (online)"

Without capitalization / Payment of interest at the end of the term / Without partial withdrawal / Replenishment

FC Otkritie

Deposit "Reliable"

Deposit "Profitable online"

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

“Growth Time” contribution

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit “Save Online”

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit calculator for 6 months

Are bank deposits insured for 6 months?

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

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

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

Conclusions: why today it is profitable to open a deposit for six months

Deposits for 6 months are considered short-term investments. They may be of interest to those clients who are not saving “for old age”, but, for example, are planning to save money for their next vacation. And some choose such deposits in order to add up the “ladder of deposits” and receive increased income.

In addition, a number of experts note that during periods of market instability, short-term deposits for 3-6 months may be the best option for investing savings. After all, in this way you can minimize inflation risks and get a good income.

Deposits for 6 months are a good way not only to preserve, but also to increase your savings. By the way, if you wish, you can extend the deposit agreement under the same conditions or withdraw the required amount to use it for planned purchases.

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