Investments are the most profitable. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals. Possibility to replenish the deposit

When a person has free cash, a fair question arises: where to invest it in order to receive income? The easiest and safest way to receive income from the point of view of state protection of risks is deposits. We offer you to get acquainted with the ratings of banks, which 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 of the country were used to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits are fixed-term deposits that do not have additional features - 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 of deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce the interest of consumers in them. Such deposit products are preferable to depositors due to the expanded access to money and the preservation of accrued interest.

Replenished deposits

TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:

1. RosEvro Bank - 8.5%. The banking product bears the corresponding name "Top up". It is possible to open an account for a period of 91 to 1095 days in the 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 validity of the contract.
2. Tinkoff - 8.5%. The bank has two rates - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the contract. 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 deposit product "Super-long-term" is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest is paid every 400 days.
4. Oriental Express Bank - 8.3%. Thanks to the Savings Book deposit, a bank client can receive a high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program assumes 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 the multiplication of funds in the specified amount when they are placed 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%. A 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 executed for 91 days with automatic prolongation 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 accruals are capitalized or transferred to the client's account. Replenishment of the account is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the offered rate is possible only through the online application. The initial amount of the deposit must be at least 1 thousand rubles. The tariff provides for monthly interest capitalization. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:

1. Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the 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 opening the account. Term from 3 months and 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 is paid every 184 days.
3. National Bank Trust - 8.25%. According to the All Inclusive tariff, you can not only replenish your account, but also partially withdraw money, subject to maintaining the 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 rather strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
5. Globex - 8.15%. The product "Universal Online" is available only through an application on the Internet. 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 indicated in the deposit agreement.
6. Oriental Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the down payment - from 100 thousand rubles. Terms of registration - 181 and 731 days. After a partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank - 8%. Absolut Bank offers a special program for persons of retirement age. The account is opened for at least 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. Ugra - 7.89%. The banking program "Maximum" 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 to withdraw part of the money, saving the minimum balance. In addition to this program, Ugra Bank also offers Managed Interest, where the minimum initial payment is 100 thousand rubles, and the duration of the funds placement is 720 days. Replenishment is possible during the first year, and withdrawals - 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, while maintaining the established initial limit. An 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 replenish in the amount of no more than 20 thousand rubles. With a partial withdrawal of funds, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the interest-bearing deposit 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, a client can even receive a premium to the declared rate.

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

It may take a long 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 get acquainted with the full list of options and their main conditions. A large selection of available deposits provides an opportunity 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. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Benefits of our service

A convenient filter has been created on the site, which makes it possible 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 by one or several parameters at once. To do this, you can specify in the filter:

• the minimum amount;
• currency;
• term of the deposit agreement;
• additional opportunities to use the deposit.

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

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

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

Current offers

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

• interest rate - up to 10.25%;
• the minimum deposit amount is 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 existing 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 developments in the banking market will be regularly sent to the e-mail address you specified. 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.

Content

Keep money in the Savings bank, if you have any! 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 is not a very profitable investment now, foreign currency periodically becomes cheaper against the ruble, and it is dangerous to keep banknotes at home. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, on a deposit or savings account. The index of confidence in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however, there is the concept of the 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 metrics are also monitored.
• The average interest rates on deposits in 2019 are 10.82%, which is 0.3% higher than in the previous 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 an increase in 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 with 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 top-up pension deposits, similar to a savings account, but at 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, there is the possibility of replenishment online. "Pension Plus" - a replenishable deposit for 3 years, 3.5% per annum, "Keep" - non-replenishable, rate 5.6% (when opening an account online - up to 6.13%), "Replenish" - 5.12% ( online - 5.63%). There is a "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension - 7.75%.

Interest on ruble deposits

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

• Sberbank is positioned as reliable and does not offer annual interest of more than 8.1, but the minimum amount starts from 1,000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without a withdrawal or replenishment function.
• Alfa Bank also keeps the bar 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, promoted 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 institutions, but along with an increase in the percentage, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank should 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 size.

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% of Sovcombank;
• "All Inclusive Maximum Income" - 8.5% from the establishment of the Moscow Credit Bank;
• "Financial protection", in euro, 3.5% - Promsvyazbank;
• “For life”, in euros, 3% - UniCredit Bank;
• "Tradition of success", in euro, 2.5% - Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today are very different. What does it 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 the interest rate;
• deposits with compound interest initially offer a lower return 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 a percentage, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return to customers amounts 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, while taking into account:

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

An approximate list of deposits with good interest from recognized reliable banks looks like this this year:

• Magnus - 8% per annum from J&T Bank;
• "Solid interest" - 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-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 the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenished deposits for a period of six months or more. The offers of 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 2,000,000 rubles for 1 year from Alef-Bank;
• "According to the Europlan" - 10% per year from BinBank Stolitsa;
• "Safe" - 10% per year from the bank "Interaction".

Sberbank deposit rates for today

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

• "Memory of generations" - the minimum deposit is 10,000 rubles. the rate is 6.4-7%, and part of the profit is transferred to the Assistance Fund for Veterans of War.
• "Save Online" - can be done in any currency. A small minimum amount - only 1000 r. - 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:

• "Manage!" - replenishable, it is possible to issue it online. Percentages range from 3 to 5.85.
• "Give Life" - part of the income is donated to the Fund of the same name. Term - 1 year, rate - 5.3%, without replenishment.
• "Savings" - a regular account with a minimum percentage of 2.3 per annum. There are deposits and early withdrawals.
• "Savings Certificate" - a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

Bank VTB 24

This bank has a share of public money, so its reliability is fully justified. The interest on the deposit today, VTB 24 Bank offers low, which is offset by favorable conditions:

• "Profitable - Telebank" with a 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 more, the percentage is up to 6.95, there is a capitalization of income;
• “Comfortable” - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount is from 200,000 rubles, there is the possibility of partial withdrawal.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a "people's bank" with advantageous 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 profits - at the end of the term (six months, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15,000,000 rubles;
• "Classic" - profit 7.95% per annum, interest payment - to choose from, the minimum amount is 3000 rubles.

Deposit in Alfa-bank

The interest rate of a deposit in Alfa-Bank is comparable to competitors, but the popularity of a financial institution is great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• "Victory +" - a contribution 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 or more (payment of profit - upon completion of the contract).

Post Bank

Post Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were served by Post-Bank. Aggressive advertising campaign involving well-known actors is doing its job, the bank is constantly calling to use its services to invest the accumulated funds.

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

• "Seasonal" - for a year with the placement amount from 50,000 rubles. The rate is 8.25% with the payment of profit at the end 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.
• "Cumulative" - ​​a replenishable deposit up to 7.5% and a minimum amount of 5000 rubles. possible early closure and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or a personal account is 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 the leaders among credit organizations 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 territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Bank's name		Interest		Deposit conditions
BaltinvestBank				No replenishment, interest payment at the end, no early withdrawal.
Russian standard	Max percentage			Payment of profit at the end, without replenishment and early withdrawal.
MosOblBank	Personal			Monthly payment of profit, replenished, without withdrawal.
	Fixed income			Refillable (if agreed in advance, with preferential commission for early withdrawal), payment of profit every month.
BinBank

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively involve customers by offering interesting offers and various options for investing funds.

Which bank should be preferred

Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:

• founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
• the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the size of the authorized capital (the more the better);
• position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
• availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.

You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:

• term of the deposit;
• whether early withdrawal is possible and under what conditions;
• interest payment procedure;
• the presence or absence of capitalization;
• the possibility of replenishment;
• does the interest increase with an increase in the amount of savings, etc.

The highest rates on deposits in Moscow banks today: the first 20

Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:

• currency - ruble;
• the minimum amount is 100,000;
• term - not less than 1 year.

These parameters helped to choose the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

Bank's name	Name of deposit	Bid	Minimum amount	Interest calculation procedure	Replenishment	Withdrawal
Tauride	Festive	12.3	50000	Monthly, capitalization	Yes	No
Novikombank	Favorite	12.25	10000	At the end of the term	No	No
International Bank of St. Petersburg	Capital	12.2	50000	At the end of the term	No	No
Promsvyazbank	Premium	12	3	At the end of the term	Yes	Yes
Vanguard	passbook	12	100000	At the end of the term	No	No
BFG-Credit	Loyal	11.75	100000	At the end of the term	Yes	No
BFA bank	Contribution #1	11.25	30000	Monthly, capitalization / withdrawal to the account	No	No
Peresvet	Rational	11.2	30000	At the end of the term	Yes	Yes
Transcapitalbank	Growth time. Spring	11.16	20000	Quarterly	No	No
Globex	Accurate calculation online	11.15	100000	At the end of the term	No	No
Trust	Our people	11.1	30000	At the end of the term	No	No
Investtorgbank	Fabulous Percentage	11.07	50000	Quarterly	No	No
Credit Bank of Moscow	All Inclusive Online	11	1000	At the end of the term	No	No
Credit Europe Bank	Urgent	11	3000	At the end of the term	No	No
MetallinvetBank	Maximum income	11	10000	At the end of the term	No	No
Uniastrum Bank	Large percentage	11	20 000	At the end of the term	No	Yes, within the minimum
Finprombank	My conditions	11	30000	Monthly, capitalization	Yes	No
Military Industrial Bank	spring story	11 (growing)	50000	At the end of the term	Yes	No
Center-Invest	grow big	11	50000	Annual capitalization	Yes	No
Education	Base	11	100000	At the end of the term	No	No

TOP-50 foreign currency deposits in Moscow banks at the maximum percentage

In connection with the depreciation of the ruble, many customers have awakened interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but they also acquire exotic currencies - pounds, francs, yens, Australian dollars, the yuan and the "Canadian" have recently been gaining popularity. However, the most popular is still the US dollar.

• currency - dollar;
• amount - from 1,000;
• term - at least 1 year;
• bank is one of the 200 largest.

It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Bank's name	Name of deposit	Bid	Minimum amount	Interest calculation procedure	Replenishment	Withdrawal
Tauride	Urgent	3.8	1000	Monthly, capitalization	Yes	No
Globex	Accurate calculation online	3.35	200	At the end of the term	No	No
Binbank	Standard	3.2	100	Monthly	No	No
Yugra	25 years of reliability	3.1	500	Monthly	Yes	Yes
Promsvyazbank	Premium	3	3	At the end of the term	Yes	Yes
Globex	Rentier online (multi)	3	300	Monthly	Yes	Yes
Novikombank	Favorite	3	300	At the end of the term	No	No
BFA bank	Contribution #1	3	500	Monthly, capitalization	No	No
Binbank	Max percentage	2.9	300	At the end of the term	No	No
Trust	Our people	2.9	500	At the end of the term	No	No
Trust	generous interest	2.9	500	At the end of the term	No	No
Tauride	Multicurrency	2.8	710	At the end of the term	Yes	No
Finprombank	My conditions	2.8	1000	Monthly, capitalization	Yes	No
Yugra	Multicurrency basket	2.8	1000	At the end of the term	Yes	No
Credit Europe Bank	Urgent	2.75	100	At the end of the term	No	No
Loco-bank	Spring in the black (multi, dollar+euro)	2.75	300	At the end of the term	No	No
Globex	Bonus online	2.7 (growing)	200	At the end of the term	Yes	Yes
MDM Bank	Max percentage	2.7 (growing)	300	At the end of the term	No	No
Binbank	Monthly income	2.65 (growing)	300	Monthly, payment to the account	Yes	No
Trust	Multicurrency 2016	2.65	500	At the end of the term	Yes	No
Yugra	Growing income	2.63	1000	At the end of the term	Yes	No
SMP Bank	maxima	2.6 (growing)	50	Monthly, capitalization	Yes	No
Investtorgbank	Optimal	2.6	100	At the end of the term	Yes	No
Promsvyazbank	my benefit	2.6 (growing)	300	At the end of the term	No	No
Military Industrial Bank	spring story	2.6 (growing)	1000	At the end of the term	Yes	No
Finprombank	Practical	2.6	1000	At the end of the term	Yes	Yes
Peresvet	Knight	2.6	1000	Monthly	Yes	Yes
All-Russian Bank for the Development of Regions	smart money	2.5	1	At the end of the term	Yes	No
Raiffeisenbank	Triple benefit (multi)	2.5	1	At the end of the term, annual capitalization	No	No
Home Credit Bank	Profitable year	2.5	100	Monthly, capitalization	Yes	No
OTP Bank	Cumulative	2.5	300	At the end of the term	Yes	No
Ural Bank for Reconstruction and Development	Cumulative	2.5	300	Daily	Yes	No
BFA bank	Accumulation strategy	2.5	500	Monthly	Yes	No
Metallinvestbank	Maximum income	2.5	1000	At the end of the term	No	No
Trust	Retirement income	2.45	100	At the end of the term	Yes	Yes
Saint Petersburg	Deposit online	2.4	100	At the end of the term	No	No
Education	Base	2.4	200	At the end of the term	No	No
Binbank	Multicurrency	2.4	410	At the end of the term	Yes	No
Bank Finservice	Comfortable	2.35	1	Monthly, capitalization	Yes	No
Credit Europe Bank	Cumulative	2.35	100	At the end of the term	Yes	Yes
Rosselkhozbank	Classic online	2.35	100	At the end of the term	No	No
MDM Bank	MDM - The Magnificent Seven	2.35	1000	At the end of the term, capitalization daily	Yes	Yes
Military Industrial Bank	Comfortable	2.3 (growing)	100	At the end of the term	Yes	Yes
BFG-Credit	Classical	2.3	300	At the end of the term	Yes	No
Absolut Bank	Absolute maximum +	2.3	1000	At the end of the term	No	No
Eastern Express Bank	Oriental	2.25	500	Monthly, capitalization	No	No
Renaissance Credit	Renaissance Profitable	2.25	500	At the end of the term	No	No
Tinkoff Bank	SmartDeposit	2.25	1000	Monthly capitalization	Yes	Yes
Moscow Industrial Bank	Classical	2.25	1000	At the end of the term	No	No
Education	Maximalist	2.2	100	Monthly, capitalization	Yes	No

Content

To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals

A wide range of deposit offers and shares, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.

The purpose of the deposit

To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, there is a bank deposit insurance program. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.

Interest capitalization

Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.

Deposit amount

Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entering the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.

Possibility to replenish the deposit

Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.

Interest withdrawal

The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. In the case of monthly capitalization of interest, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which, with a face value of 100 million rubles or more, bring an income of 7.2%.

Where to open a deposit at a high interest

Name	Program
	"Savings account"
Rosselkhozbank	"Investment"
	"Maximum Online"
Credit Bank of Moscow	"All inclusive - maximum income online"
Opening	"Extra Bonus"
Promsvyazbank	"My income (online)"
Gazprombank	"Perspective"
Alfa Bank	"Accumulation" on demand
Sberbank	"Save OnL @ yn"

Which bank is the most profitable in terms of deposits

A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Name	Program
	"Your pension" effective rate		31 to 744 days
Rocketbank	Early termination rate 0.1% per annum
Sovcombank	"Maximum income" for a period of 90 to 181 days
Crocus Bank	"Urgent-360 (% at the end of the term)"
Confidence	"Golden time!" replenishment 90 days
Eastern Express Bank	"VIP deposit" monthly interest
	"Deposit No. 1" with capitalization		Up to 735 days
Baltinvestbank St. Petersburg	"Absolute CHAMPION+"		272-366 days
Bank Master Capital	"Savings"		From 30000 rub.
Bank Zenith	"Urgent Premium"		From 5 million rubles

Profitable deposits in rubles

Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.

To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional bank commissions for transferring money to accounts, conversions in the calculations.

It is worth considering the possibility of investing part of the free funds in different currencies, in gold and other precious metals. In recent years, the largest banking institutions in the world have chosen bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show you new directions for acquiring assets and the most profitable investment.

Profitable deposits in foreign currency

We have considered the most profitable deposit in foreign currency from Development Bank, but deposits with a high interest rate are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.

The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of the political elites of the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union do not add stability and prospects for investors to the euro.

Deposits in Moscow banks at the maximum percentage

The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles to the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the "Maximum Online" program from Dolinsk Bank is from 7.35%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in the National Bank "Trust" will receive 8.85%.

The deposit “Maximum Interest (online)” of BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.

On June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with an interest rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.

Video

Did you find an error in the text? Select it, press Ctrl + Enter and we'll fix it!

Discuss

Which bank has the most favorable conditions for deposits and a high percentage of the deposit