Which bank now? Reliable banks with high interest rates on 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 either.

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 cost. 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.

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.
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.
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.
Deposit registration deadline. This factor also weighs, 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.
Mandatory input amount. Most investors are confident that they can deposit any amount they have at interest. However, this is far from 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?

№	Bank and program	Interest rate	Deposit term	Deposit size	Currency
1	Opening "High Interest"	up to 10%	1 year	from 50 thousand	not provided
1	— the shorter the term, the higher the interest: 3 months. — 10%, 6 months. — 8%, 9 months. — 6%, 12 months. — 5%; — the deposit cannot be replenished; — interest is paid upon completion of the contract; - after the end of the contract, if the deposit is not was issued, it is extended under the terms of the “Main” deposit income".
2	VTB 24 “Savings account”	up to 8.5% basic; up to 10% with VTB Multicard	1 year	any amount	not provided
2	— when opening Multicard and enabling the function “Savings” can receive an increased interest rate, provided payments using an issued card; — the savings account can be replenished and withdrawn without loss of interest; — the more you spend on the card, the greater the increase will be rates.
3	NS Bank "Investment"	9%	6 months	from 100 thousand to 10 million rubles.	not provided
3	— interest can only be received at the end of the term contracts; — the deposit is intended for clients who have issued an ILI policy or NSJ.
4	GazpromBank "Savings and Protection"	6,7-8,8%	3.6, 12 months	from 50 thousand rubles.	not provided
4	— interest is paid at the end of the term; — the deposit cannot be extended; — the shorter the deposit term, the higher the interest.
5	SovcomBank "Maximum Income"	6,9-8,6%	from 1 month up to 3 years	from 30 thousand rubles.	not provided
5	— the maximum rate is set in case of regular using a Halva card with a monthly purchase amount of 5 or more thousand rubles; — deposit replenishment is provided; — interest is accrued only at the end of the term, including additional 0.5% for payments using Halva.
6	BinBank "Maximum interest"	from 7.05 to 8.3%	from 3 to 24 months.	from 10 thousand to 30 million rubles.	-dollar (from 300 at a rate of 0.55-1.65%); — euro (from 300 at a rate of 0.25-0.8%).
6	— all interest can be received only at the end of the term; — extension of the deposit is possible; — when opening a deposit in rubles, additional increase in percentage for pensioners (+0.15%) and increase rates by 0.3% when using an online application.
7	Promsvyazbank "My Income"	8,1-8,3%	3-12 months	from 100 thousand rubles.	-dollar (from 1 thousand at a rate of 1.2-2.85%); — euro (from 1 thousand at a rate of 0.5-1.2%).
7	— the possibility of early termination of the contract is provided with a provided preferential rate; — it is possible to extend the contract automatically (not more than 3 times); — interest is paid at the end of the term.
8	Rosselkhozbank "Investment"	7,8-8,05%	6, 12 months	from 50 thousand rubles.	— dollar (from 1 thousand at a rate of 1.4 to 2.4%).
8	— the deposit is opened for a period of 180 or 395 days; — the deposit can be opened together with the purchase of a share; — interest is paid at the end of the deposit term operations; — there is no limit on the size of the deposit; — in case of early termination of the agreement, interest are paid at the rate agreed upon in the contract; — the deposit cannot be extended.
9	VTB "Maximum Income"	3,24-7,14%	from 3 months up to 3 years	from 1 thousand rub.	-dollar (from 100 at a rate of 0.4-1.74%); — euro (from 100 at a rate of 0.01%).
9	— the shorter the term, the higher the interest; — you cannot replenish or withdraw money ahead of schedule; — interest will be calculated at the end of the term; — capitalization of interest is possible.
10	Sberbank "Simply 7%"	7%	5 months	from 100 thousand rubles.	not provided
10	— you can only open it yourself: through an ATM, online banking or mobile application; — interest will be credited to the account upon expiration of the term; — prolongation is possible, but subject to the terms of connecting the deposit "Poste restante"; — through the bank office the rate is set at 6.5%.

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.

In the largest city in 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 huge. 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 return slightly below average, because they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various investment options.

Which bank should you prefer?

Naturally, you shouldn’t go to the first bank you come across that offers a sufficient interest rate. It should be analyzed according to at least several parameters:

founders and partners - it may well turn out that “at the helm” there are people who are unlikely to be trusted;
financial condition of the bank - it can be traced from reports published on the Central Bank website, paying special attention to the ratio of assets and liabilities, profit received during the reporting period and the size of the authorized capital (the more, the better);
position in international and national ratings, including “national” ones (on the websites banki.ru or sravni.ru);
availability of insurance - if deposits are insured by the DIA, then if the bank’s license is revoked, nothing will threaten the clients’ funds.

You shouldn’t just look for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you create the right investment strategy:

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

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

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

currency - ruble;
minimum amount – 100,000;
period – at least 1 year.

These parameters helped us select 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 name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
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 account	No	No
Peresvet	Rational	11.2	30000	At the end of the term	Yes	Yes
Transcapitalbank	Time to grow. Spring	11.16	20000	Quarterly	No	No
Globex	Accurate calculation online	11.15	100000	At the end of the term	No	No
Trust	Your people	11.1	30000	At the end of the term	No	No
Investtorgbank	Fabulous percentage	11.07	50000	Quarterly	No	No
Moscow Credit Bank	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	Big 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 interest rate

Due to the depreciation of the ruble, many clients have become interested in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but exotic currencies are also gaining popularity - pounds, francs, yen, Australian dollars, and recently the yuan and the “Canadian” are gaining popularity. However, the most popular is still the US dollar.

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

It should be noted that some foreign currency deposits in Moscow banks at the maximum interest rate in the TOP-50 are part of a multi-currency deposit, which will be marked accordingly if this is not clear from the name of the deposit. With such deposits, it will not be possible to invest only in dollars; you will need to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Bank name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
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
Ugra	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	Maximum percentage	2.9	300	At the end of the term	No	No
Trust	Your 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
Ugra	Multi-currency 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
Loko-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	Maximum percentage	2.7 (growing)	300	At the end of the term	No	No
Binbank	Monthly income	2.65 (growing)	300	Monthly, payment to account	Yes	No
Trust	Multicurrency 2016	2.65	500	At the end of the term	Yes	No
Ugra	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 Regional Development Bank	Smart money	2.5	1	At the end of the term	Yes	No
Raiffeisenbank	Triple benefit (multiple)	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	Saving strategy	2.5	500	Monthly	Yes	No
Metallinvestbank	Maximum income	2.5	1000	At the end of the term	No	No
Trust	Pension income	2.45	100	At the end of the term	Yes	Yes
Saint Petersburg	Online deposit	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
Orient 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	SmartVklad	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

Knowing how to earn good money is a great art, but even more important is maintaining it and increasing it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Experienced investors know that in order to grow savings, it is necessary to create a portfolio of investments. Money should be placed in different financial institutions under different deposit programs and interest rates, 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 promotions, differences in interest rates, parameters and terms of placement should not distract from the main task of preserving 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 to evaluate the profitability, which depends on the annual deposit rate, the capitalization period and the possibility of replenishing the deposit account. Many investors require the freedom to withdraw their funds at a time that suits them.

Purpose of the deposit

To select the right deposit program, decide on the amount you want to invest and the period within which you will need this money. These initial data make it possible to determine your goal for the deposit - to receive 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 funds for a clearly defined period. This provides the 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, a bank deposit insurance program is in place. If the bank loses the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Considering this amount, it is worth making investments in several banks. Choosing the most reliable one will simplify the task of depositing a large amount. The country's population, workers and pensioners have the opportunity to compare bank services and select 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 additional deposits of cash and commissions, differs from the nominal one. Large financial institutions do not offer the highest returns, since 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 investors.

Interest capitalization

Let's assume you made your first deposit for 3 months. After the end of this period, your deposit will be credited with 0.25 of the annual interest rate for the selected deposit program. 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 profits received. A simple calculation shows that the shorter the capitalization period, the greater the final income will be at the end of the deposit period. The capitalization period varies from 1 month to the full deposit period.

Deposit amount

Russian legislation does not limit the minimum and maximum investment amounts. For small deposits, it is worth using the amount of compensation for their insurance for calculations. The probability of bank failure in the era of the global crisis remains high. For large investment amounts, from 10 million and above, it is worth choosing reliable institutions. The deposit amount directly affects the interest rate. The higher the minimum entry threshold into 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 rates. The dollar and euro, more stable currencies, are attracted at a lower interest rate. It is worth noting that currency differences greatly affect additional conditions for deposits. For dollars or euros, 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 currency programs.

Possibility of deposit replenishment

Some favorable deposit agreements make it possible to top up your account at any time. There are programs where you can only add funds after a certain period of time. The scheme for replenishing the deposit account is a quarterly table that describes the change in the interest rate. This change looks like a staircase in 0.5-1% increments with the highest in the 1st quarter and the lowest in the last. A ban on replenishment in recent months is common.

Interest withdrawal

The deposit term specified in the deposit contract determines the time after which the depositor has the opportunity to access his deposit account and dispose of the money at his own discretion. In the case of monthly interest capitalization, 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 rate

Name	Program
	"Savings account"
Rosselkhozbank	"Investment"
	"Maximum online"
Moscow Credit Bank	"All inclusive - maximum income online"
Opening	"Additional Bonus"
Promsvyazbank	"My income (online)"
Gazprombank	"Perspective"
Alfa-Bank	"Savings" on demand
Sberbank	"Keep ONL@yn"

Which bank is the most profitable for deposits?

A study by our experts showed that Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the deposit amount. 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 capitalized at the end of the term with the possibility of replenishment. Attractive annual rates for other currencies. For amounts over 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	From 31 to 744 days
Rocketbank	Early termination rate 0.1% per annum
Sovcombank	“Maximum income” for a period from 90 to 181 days
Crocus Bank	“Urgent-360 (% at the end of the term)”
Confidence	"Golden time!" replenishment 90 days
Orient 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 30,000 rub.
Bank Zenit	"Urgent Premium"	From 5 million rub.

Profitable deposits in rubles

Considering the accessibility for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. When entering from 125 thousand rubles under the “Future” and “Investment” programs, the rate is 10.5%. The second most popular program “Katyusha” provides 8.8% per year. Unicredit on deposits offers yields in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. Inbank's "Maximum" deposit will bring 9.38% per year for 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 investment 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 you analyze the effectiveness of your investments. The final return and resulting interest rate differs from nominal and promotional offers. It is necessary to take into account in the calculations additional bank commissions for transferring money to accounts and converting.

It is worth considering the possibility of investing part of your available funds in different currencies, 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 optimal 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 reviewed the most profitable deposit in foreign currency from Development Bank, but deposits with high interest rates 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, and accessibility, the most profitable deposit from Alfa Bank “Pobeda+” with an annual rate of 1.97% in dollars is attractive.

Effective deposit rates for dollars are higher than for euros. The European currency, under the influence of geopolitical problems in Europe, has shown its instability in recent years. The ongoing change in the political elites of the European continent, the new US President, growing tensions between the superpowers, and the prospect of several countries leaving the European Union do not add stability and prospects to the euro for investors.

Deposits in Moscow banks at maximum interest rates

Moscow banks offer the best rates on deposits. BCS, for amounts from 500,000 to 1,000,000, for clients who have entered into DKBO in branches located in Moscow, has launched the “Super Deposit” program for the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will increase 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 extension of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles on 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%. At Center-Invest Bank, the project is “Fixed-term for 1 year with auto-extension” at 8.3% of 15 million rubles. “Our people” at the Trust National Bank will receive 8.85%.

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

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

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Discuss

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

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of the effective ways to increase the amount of savings is through deposits. Many banking organizations offer to open them, of course, under different conditions. Today we will discuss how to choose deposits that are profitable for yourself.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It’s easy to become a depositor: you need to enter into an agreement to place money in rubles or other currencies in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP 20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

Let us also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can change and be supplemented, this is the prerogative of banks.

Tinkoff Bank

Minimum contribution– 50,000 rubles;
Minimum placement period– 3 months;
Maximum placement period– 24 months;
Minimum % rate – 5,5%
Maximum % rate – 8,8%;
Accrual %– on a deposit or, at the client’s request, on a card;
Replenishment– regardless of time, via the Internet;
Removal in parts– regardless of the time, as convenient for you.

Resume: ease of opening, the ability to withdraw and top up your account at any time, quite a reasonable deposit amount. The bank participates in the deposit insurance system that we mentioned today. Among the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner of a bank debit card. It is also possible to open a deposit in different currencies.

Minimum contribution– 1 ruble (depending on the type of deposit being opened);
Minimum placement period– 30 days (deposit “Save”);
Maximum placement period– 36 months;
Minimum % rate – 3%;
Maximum % rate – 7%;
Accrual of % occurs depending on the type of deposit;
Replenishment – Maybe;
Removal in parts- allowed.

Resume: The bank is certainly reliable, stable, and supported by the state. Participates in the deposit insurance system; you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB-24

Minimum contribution– 200,000 rubles;
Minimum placement period– 90 days;
Maximum placement period– 60 months;
Minimum % rate – 4,10%;
Maximum % rate – 7,4%;
Accrual of % - every month;
Replenishment – Maybe;
Removal in parts– possible (deposit “Comfortable”).

Resume: The amount of the first payment is large, not everyone can make it. The number of available deposits is small, but this can hardly be considered a negative side. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

Minimum contribution– 10 rubles (deposit “On demand”);
Minimum placement period– depends on the type of deposit;
Maximum placement period– depends on the type of deposit;
Minimum % rate – 0,01%
Maximum % rate– 8.75% (investment deposit);
Accrual of % - every month;
Replenishment – yes, for “Managed”, “Savings”, “Pension Income” deposits
Removal in parts– yes, for “Demand” and “Managed” deposits.

Resume: The amount of the down payment is available to everyone; there are no restrictions on the terms of the deposit.

Minimum contribution– 1000 rubles;
Minimum placement period– 3 months;
Maximum placement period- 2 years;
Minimum % rate – 7,25%
Maximum % rate – 9,0%
Accrual of % - at your choice (every month or capitalization);
Replenishment – Maybe;
Removal in parts– not for all types of deposits.

Resume: Not all deposits are available for replenishment; cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

Minimum contribution– 100 rubles (for the “Pension” deposit);
Minimum placement period– 90 days;
Maximum placement period–1095 days;
Minimum % rate – 0.01% (on demand deposit)
Maximum % rate– 7.8% (for the “Vacation” deposit);
Interest is accrued at the end of the term;
Replenishment – Yes;
Removal in parts – only for the “Dynamic” deposit.

Resume: The bank is a participant in the deposit insurance system, there is the possibility of personal consulting.

Minimum contribution – 10,000 rubles;
Minimum placement period – 3 months;
2 years;
Minimum % rate – 6,5%;
Maximum % rate – 7,35%;
Accrual % – daily, monthly;
Replenishment – yes, it's possible;
Removal in parts – yes, it's possible.

Resume: There is an increase in the rate when opening online, the bank is included in the deposit insurance system, and there is a relatively small minimum contribution.

Bank Otkritie

Minimum contribution – 50,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – 2 years;
Minimum % rate – depends on the type of deposit;
Maximum % rate – 8%;
Accrual % – 1 time per month (capitalization available);
Replenishment – Maybe;
Removal in parts – perhaps under the “Free Control” deposit.

Resume: There is an opportunity to replenish the deposit amount; online opening is available.

Alfa Bank

Minimum contribution – 10,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – more than 3 years;
Minimum % rate – 4,5%;
Maximum % rate – 7.2% on the “Victory +” deposit;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Resume: there is an opportunity to receive serious income, but for this you need to make a large minimum contribution, up to 3 million rubles.

Minimum contribution – 30,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 36 months;
Minimum % rate – 5%;
Maximum % rate – 8,5%;
Accrual % – every month;
Replenishment – yes, according to the “Always at hand” deposit;
Removal in parts – Maybe.

Resume: It is possible to make a minimum contribution in several payments, and there is the possibility of monthly replenishment.

Minimum contribution— 10,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,0%;
Maximum % rate – 9%;
Accrual % – at the end of the contract;
Replenishment – Yes;
Removal in parts – Yes.

Resume: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

Minimum contribution – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 4 years;
Minimum % rate – 5% (for deposits in gold and silver);
Maximum % rate – 9%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – available.

Resume: small down payment amount, wide choice of deposits.

Minimum contribution – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 7,4%;
Maximum % rate – 8,3%;
Accrual % – 1 time per month;
Replenishment – Yes;
Removal in parts – Yes.

Resume: the bank increases the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.

Minimum contribution – 10,000 rubles;
Minimum placement period – 366 days;
Maximum placement period – 366 days;
Minimum % rate – 6,3%;
Maximum % rate – 8,10%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Resume: We see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive % every month.

Minimum contribution – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 36 months;
Minimum % rate – 7,0%;
Maximum % rate – 8.22% (if you deposit 3 million rubles);
Accrual % – 1 time per month or at the end of the term;
Replenishment – Yes;
Removal in parts – No.

Resume: opening in rubles and foreign currency is available; you cannot withdraw money partially, but at the same time you can replenish the entire line.

Minimum contribution – 5000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 1 year;
Minimum % rate – 7,5%;
Maximum % rate – 8.25% (“Capital”);
Accrual % – every month, every quarter;
Replenishment – Yes;
Removal in parts – Yes.

Resume: The bank’s website contains information that deposits are accepted only in rubles; in addition, you can get an increased percentage if you open a deposit via the Internet. It is permissible to close the deposit early and not lose the accrued interest.

Minimum contribution – 5000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,5%;
Maximum % rate – 8,6%;
Accrual % – daily (if the “On Demand” deposit is opened);
Replenishment – Yes;
Removal in parts – Yes.

Resume: You can replenish open deposits and withdraw some funds.

Bank Yugra

Minimum contribution – 100 rubles;
Minimum placement period – 61 days (for the “Special Client” deposit)
Maximum placement period – 36 months;
Minimum % rate – 6%;
Maximum % rate – 10%;
Accrual % – 1 time per month;
Replenishment – Yes;
Removal in parts – Yes.

Resume: Deposits can be replenished and withdrawn in parts; initially, you can deposit a small amount.

Bank Uralsib

Minimum contribution – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 6,1%;
Maximum % rate – 9,0%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Resume: The banking institution offers a wide range of deposits, there is plenty to choose from.

Minimum contribution – 30,000 rubles;
Minimum placement period – 91 days;
Maximum placement period – 720 days;
Minimum % rate – 6,5;
Maximum % rate – 8,5%;
Accrual % – every quarter, at the end of the term;
Replenishment – acceptable;
Removal in parts – Yes.

Resume: The bank offers a fairly wide selection; when opening via Internet banking, the percentage is slightly higher.

Comparative table for all banks

Banking institution	Maximum on deposit	Opening fee	Possibility of withdrawal/replenishment
10%	100 rubles	yes/yes
9%	1000 rubles	yes/yes
UBRD	9%	1000 rubles	yes/yes
9%	1000 rubles	not for all deposits
Promsvyaz Bank	9%	10,000 rubles	yes/yes
Tinkoff Bank	8,8%	50,000 rubles	yes/yes
8,7%	10 rubles	yes/yes
8,6%	5000 rubles	yes/yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	yes/yes
8,3%	1000 rubles	yes/yes
8,25%	5000 rubles	yes/yes
Home Credit Bank	8,22%	1000 rubles	no/yes
8,1%	1000 rubles	yes/yes
Bank Otkritie	8%	50,000 rubles	yes/yes
7,8%	100 rubles	yes/yes
VTB - 24	7,4%	200,000 rubles	yes/yes
7,3%	10,000 rubles	yes/yes
Alfa Bank	7,2%	10,000 rubles	yes/yes
7,0%	1 ruble	yes/yes

In the next part of our conversation, we will look at how to correctly compare deposits.

How to compare different deposits

It is clear that most people consider the interest rate to be the most important indicator for comparison. But no less important are the indicators that we have already discussed in the table above: the ability to withdraw money and top up your account.

The level of income you will receive on your deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that opening deposits without visiting a bank office, online or through an ATM, is currently becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also already wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – in fact below.

There is another criterion for comparison: the size of the minimum and maximum contribution amount. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions. In simple terms, this means that if you withdraw funds partially, this amount should remain in the account.

You cannot withdraw money more than this amount; you will lose everything that was credited. This is especially important for investors who have small amounts of funds and invest them in order to withdraw the maximum at any time.

Purposes of placing deposits

It would seem that there is nothing complicated: you open a deposit so as not to lose money, save it, and also increase its quantity. But there are a number of other goals. Let's talk about them.

1. Earn money.

Don't be surprised, this is quite possible. Often banking organizations hold promotions of various types. If circumstances go well, you can get additional income.

2. Get benefits.

As an example, let’s take one of the largest banks in the Russian Federation. It has the following condition: for a person who opens a deposit for a certain amount, preferential terms for mortgage lending will apply. Imagine, there are not so few people willing.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose practically any type of contribution - they will all help with this. Keeping money in a box at home is not the best option; sooner or later inflation will eat it up, and no one is safe from thieves.

4. Save up for a major purchase.

We all know that there are people who don’t keep money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not there.

In this case, a bank deposit comes to the rescue. Moreover, it would be better if it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let’s talk in more detail about what types of deposits there are and how they are classified.

What types of deposits are there?

In order to attract a large number of clients, banking organizations are constantly expanding their line of deposits, adding more and more new ones. We will now look at the most popular types of deposits for us – ordinary people.

All deposits can be divided into 2 categories: urgent And poste restante. Term deposits are opened for a specific time; demand deposits do not have a specific period.

Savings.

It is worth noting that the highest rates are for this group. In addition, it is not always possible to withdraw money from such deposits or to deposit funds into the account.

Calculated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. This type of contribution is also called universal.

Cumulative.

Provided for those clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to certain groups of clients. This includes deposits for students, pensioners, and so on.

By season.

Timed to coincide with a certain time of year. They often have fairly high rates, but there is no rollover option.

Mortgage.

Designed for those who want to independently save for a down payment on a mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be used to pay the mortgage premium. Now in the Russian Federation such a deposit is not found in all banking institutions.

Indexed.

This deposit belongs to the category of fixed-term deposits and is tied to changes in the value of an asset. The asset can be the dollar exchange rate, securities, precious metals, etc.

Multicurrency.

The point of such a deposit is that the funds are stored in various currencies: most often rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is rare.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, they do not charge a commission for it, but the rates here are lower than for other types of deposits.

Children's.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds into it only in cash. When opening such a deposit, the client can count on complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid of losing it will take a decent amount of time.

To make this task a little easier, here are a few recommendations:

Don't neglect other people's feedback. Check them out, it definitely won't hurt. Just pay special attention to those that are presented on the Internet as a whole, and not on the official websites of the banking organization.
Study information in the media for publications about the bank in a negative way.
When visiting a bank, check how interest rates apply on deposits: if they are too high, this is a reason to be wary;
You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language; you don’t need to be an expert in economics to understand the topic;
Find out if the bank has branches and branches;
An important criterion for selection is the bank’s participation in the state deposit insurance system. This information is freely available on the Internet; finding it will not be a problem.
On the official website of the Central Bank of the Russian Federation you can view information related to the reporting of banking organizations. The only disadvantage here is that it is difficult for an ordinary person to understand it; the help of a specialist is required.
An important indicator is the amount.
You can inquire about the bank's ratings; they are published by special agencies. Of course, it’s difficult to keep track of them, but they can be used as additional information.
An indirect sign that all is not well with the bank are frequent failures in various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential investor to adequately assess the reliability of the chosen banking organization.

By the way, the most common mistakes are made:

Selecting the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If this is your only goal, you are better off using another financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds and is having financial difficulties.
Excessive trust in bank specialists. Even if an employee speaks convincingly and beautifully, his words must be supported by something. Stable and reliable institutions provide clients with all publicly available information.
Opening a deposit in a servicing banking organization. Often, depositors entrust their funds to the bank from which they receive salaries or other types of regular payments. This is convenient, but you don’t need to bring all the money to one institution; it’s better to distribute it among several.
Following untested recommendations. The experience of your friends and relatives is important, but you don’t need to follow it blindly. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

To summarize, I would like to say that the choice of a banking organization must be approached with increased attention and thoroughness. It is better to spend time finding the bank that best suits you than to risk your savings.

State deposit insurance

Thanks to the implementation of this system, a person can get his money back, even if the bank is recognized or its license has been revoked.

In 2017, deposits up to 1,400,000 rubles were insured. If you have deposits in several banks and all these credit institutions went bankrupt, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate in effect on the date of revocation of the bank’s license. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without stating the reason, may refuse to open a deposit for a client.

This happens infrequently, and the reasons may be:

The client is under 14 years of age;
The client does not have the opportunity to present a passport or other document that will prove his identity;
A citizen of another state wants to open a deposit but cannot confirm his right to stay on the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for its safety. We propose to analyze the range of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most deposit programs do not require payment. Tax will be charged only if the level of income exceeds that established by law. But this year, banking organizations have lowered deposit rates due to increased insurance rates. This means that you cannot expect a high level of profitability.

You may ask: do you need to pay something or not? Let’s answer this: this direction of payments is practically not controlled. If you receive a payment notice, of course, make the payment. But if you haven’t been notified about this within 3 years, you don’t have to pay.

Interest on deposit: how to calculate

To begin with, let us immediately note that you should not completely trust the amount of interest on the deposit that is indicated in the advertising of the banking organization. Before you entrust your hard-earned money to a bank, try calculating the interest yourself. This may seem complicated to you, but we will try to explain in as simple a way as possible how to do this.

First of all, you should not completely trust the calculation to the deposit calculator.

They will not show real results because:

Their functionality is poor; the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
Calculate everything before you decide on the bank and type of deposit. This is necessary to evaluate and compare different offers.
If you have any questions, contact the bank’s consultants, they will clarify all the necessary points.

Now let's move on directly to terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

The concept of % on a deposit refers to the amount that the bank pays to its client for using his money.

The rate is usually specified in the contract, indicated as a percentage per annum. The rate can be floating or fixed.

If we are talking about a simple method of calculating %, then they are not added to the deposit amount, but are transferred to the depositor’s open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its principal amount has increased, which means that the total profitability has also increased.

Formulas

We calculate interest in case of simple accrual:

S = (P x I x t / K) / 100, Where:

S – accrued%;
P – the amount you deposit;
I – deposit rate for the year;
t – number of days for which % will be calculated;
K – number of days per year (don’t forget about leap days).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The percentage calculation is simple. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 365 /365) / 100 = 19,000 rubles.

If compound interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, Where:

S – accrued%;
P – the amount you deposited;
I – % of the deposit for the year;
j – number of days in the billing period;
K – number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 180 /365) / 100 = 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

Under the current economic conditions, investors prefer to keep part of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.

In addition, there is one more subtlety: the DIA begins insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What do investors risk?

This is an important question that cannot be left unanswered. After all, everyone knows very well that every coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss possible risks.

The most common are the following:

The banking organization is declared bankrupt;
Payment of personal income tax;
Increase in rates for deposits opened for a long time;
Liquidity risk;
Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation occurring, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return your money.

Payment of personal income tax.

This will only have to be done if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum for a period of 36 months, and after a year the rate becomes 12%, you lose 3% of income.

Liquidity.

This risk arises if you terminate the term deposit agreement early. It’s better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months at an interest rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations has become a regular occurrence. But the problem is that 27 thousand people contacted the Deposit Insurance Agency with statements that people could not get a refund of their funds. As it turned out, there were fraudulent actions with deposits on the part of banks.

What is the essence of such fraud? It turned out that banking organizations were stealing funds from the accounts of their depositors. Double accounting was carried out, and the person did not even realize that he had been robbed. In accounting, the information that deposits were opened was either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts and nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize itself.

Proceed according to this algorithm:

Contact the banking organization with an application for insurance compensation, attaching the documents that you have in your hands;
The application from the bank is transferred to the Insurance Agency;
The agency registers it and reviews it;
If the decision is positive, changes will be made to the payment register;
As a result, you will receive your money in full.

Of course, this procedure will make you waste not only time, but also nerves. Although, most likely, the outcome will be positive.

We can also advise placing deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is everyone’s personal business, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

What deposit should you open in a bank? What steps do you need to take to open online? You will find the answer to this question in the “Deposits” section on the Banki.ru portal. in rubles and foreign currency, changes in interest rates, insurance - this is the information necessary for every client - an individual. After all, in order to get the desired income, you need to choose the right deposit.

On our website, betting data is updated daily. You can get and compare current information about the types of bank deposits: multicurrency, investment, etc. The procedure for paying income by the bank is no less important for many consumers: some are interested in deposits with monthly interest payments, while others are interested in receiving everything immediately at the end of the term. Opening conditions may vary from bank to bank. After carefully studying all the current offers for individuals, you can easily decide which bank to open. You will also learn about what the very concept of a bank deposit is, what clauses are especially important in the contract, how the insurance system works, how to receive compensation if the license of a credit institution is revoked, and how to choose the best, most profitable time deposit with a high interest rate. Now the most popular among the population are deposits in, rather than deposits in and. At the same time, a certain part of citizens prefer to choose a multi-currency deposit and insure against losses in case of sudden changes in exchange rates. All offers displayed on this page are the best or most profitable only in the opinion of Banki.ru experts.

How to choose a profitable investment?

Pay attention to the parameters:
Interest capitalization – whether the deposit amount includes the amount of interest accrued for the previous month.
Replenishment – whether it is possible to deposit additional amounts into the account.
Interest is paid at the end of the term or every month.

What is the best deposit rate as of March 19, 2020?

The most favorable rate is 8.5% per annum.

How many offers are valid today?

The site presents deposits from 322 of the largest banks in Russia.

The retail giant traditionally leads the market. However, many credit institutions have “under” offers, and you will be able to choose the bank that best suits your needs. The data on our website is a guarantee that you will always be aware of the latest changes, will be able to compare bank offers and place your money savings with maximum benefit by choosing exactly the deposit that you really need.

Users of the Banki.ru portal from different regions of Russia can select profitable deposits and send them for opening under special conditions. View ratings of offers from Banki.ru experts