The life of business and simply active people is filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.
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Bank in your pocket. Advanced gadgets for banking clients
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Certificate of open current accounts
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Banking discussions
RF Armed Forces: case of withdrawal of deposit on the eve of the bank collapse
The matter reached the RF Armed Forces. The troika, chaired by D. Kapkaev, indicated that transactions from March 1 fall within the period of six months before the appointment of a temporary administration, the rest - within a month. To invalidate the transactions of March 29 and 30, the DIA must only prove that when issuing money from deposits, the defendant
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National Standard Bank presented a “Holiday” deposit
On the eve of the May holidays, National Standard Bank introduced the “Holiday” deposit service. The main feature of the deposit: the ability to withdraw funds from the account, as well as replenish the deposit without restrictions. The promotional deposit can be issued until the end of the current month. The minimum amount of the “Holiday” deposit is
May 14, 2019New Product
Far Eastern Bank expanded its line of online deposits
The Far Eastern Bank has added new deposit services, issued online. The maximum rate on the “Millionaire Online” deposit is 5.9% per annum. The rate is provided when placing funds for 12 or 18 months. The minimum amount to be placed within the product is 3 million rubles or 35 thousand dollars/euro.
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"Uralsib" presented the contribution "Cranes"
Uralsib Bank offers to issue a seasonal deposit “Cranes”. Under the program, available funds can be placed for up to 700 days (almost 2 years). The amount to be placed is from 50 thousand rubles. The deposit is non-replenishable. Expense transactions on the deposit account are prohibited. The return on the deposit reaches 8% per annum. Connect to
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“Ring of the Urals”: Tatyanas are the most active investors
According to the Ring of the Urals bank, the name Tatyana is the most “monetary” female name in the Russian Federation. Tatyana accounts for about 5% of all “female” deposits. The TOP-3 rating of the most active domestic depositors also includes Elena (4.2% of the total number of deposits) and Olga (3.8%). At the same time, the volume of Tatiana’s deposit portfolio
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Depositors of Pervomaisky will receive 6.1 billion rubles, RIB – 7.3 billion rubles
On December 5, the state corporation “Deposit Insurance Agency” will begin issuing through agent banks the money that Russians kept on deposits in the “Pervomaisky” and Russian Mortgage Bank. Let us recall that the regulator deprived the organization of its license at the end of autumn. Relevant notices are posted on the DIA Internet resource.According to
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ATB introduced the ruble deposit “Piggy Bank!”
Asia-Pacific Bank clients have a new way to accumulate funds. The main feature of the new ATB deposit “Kopilka!” – progressive income scale. A minimum rate of 7.2% per annum is provided when placing at least 50 thousand rubles on a deposit account. The maximum income of 7.5 percentage points is possible
22 Nov 2018New Product
Sberbank offers to open a “football” promotional deposit
For the opening of the World Football Championship taking place in our country, Sberbank introduced a new deposit called “Win”. The rate of return within the deposit service is 6% per annum. The minimum deposit amount is set at 50 thousand rubles. Funds can be placed for six months. Initially, the “Win” deposit can be
June 26, 2018
A deposit, also known as a deposit, is money that a client places in a bank in order to preserve and increase his capital.
The greatest income comes from time deposits with the highest interest rates. The best rates on deposits in rubles and foreign currency can be obtained during seasonal or other special promotions of banks.
Bank deposits of individuals are divided into types depending on the term, additional options and currency.
Banks offer additional operations on time deposits:
- interest capitalization is a monthly transfer of interest to a deposit account in a bank, with each subsequent accrual taking into account the total amount of the initial deposit amount and previously accrued interest;
- auto-renewal - automatic extension of the contract if the depositor does not close the deposit at the end of its validity period;
- replenishment and partial withdrawal of money from the deposit account give the client the opportunity to manage funds without terminating the agreement with the bank.
The best bank deposits are selected taking into account all these components.
Depending on the type of currency, deposits are divided into ruble, foreign currency (when depositing dollars, euros and other currencies), multi-currency (the deposit consists of the amount of funds in several currencies). The best interest rates and maximum profitability are provided by bank deposits in rubles.
Investing money in foreign currency is one of the most popular ways to save and increase your capital, especially in times of crisis.
Almost every Russian bank offers foreign currency deposits in dollars and euros; there are few deposits in other currencies. You can compare exchange rates on our website in the "Currency Rates" section. There are few offers of deposits in these currencies due to low demand.
Interest rates even on profitable time deposits in foreign currency, compared to ruble deposits, are lower due to the instability of the ruble against the dollar and euro. Also, depending on the type of activity of the client, deposits are allocated for pensioners and students.
Which bank has the best deposits today and how to find reliable offers at the maximum interest rate per annum? Our “Deposit Selection” form will help you find the best interest rates on deposits and other parameters. This is a deposit calculator, with its help you can select not only profitable options, but also reliable banks for placement in 2019.
In 2019, today, among deposits in banks in Moscow, the most favorable high interest rate in rubles is on the deposit at the top (with NSZH) in Gazprombank (JSC) - 9.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best deposit in rubles.
A deposit - or the so-called “deposit” - is money that the client places in the bank to protect and increase his capital.
The higher the interest rate on a bank deposit, the greater the potential income. The best interest rates on deposits are often offered during periods of seasonal offers or other special bank promotions.
Bank deposits for individuals differ in terms, currency and rate; there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).
Both small and larger reliable banks in Moscow in 2019 offer several additional opportunities for time deposits and time deposits:
- partial withdrawal and replenishment of funds on a deposit account gives the client the opportunity to use money without breaking the agreement with the bank;
- capitalization is the monthly accrual of interest on the deposit account. That is, future interest is accrued not only on the amount of the initial deposit, but also on the interest already added;
- automatic extension – automatic extension of the contract if the depositor does not withdraw the deposit at the end of its validity period.
To make the best deposit in rubles or foreign currency, consider these three points.
Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2019, the most favorable interest rate deposits in Moscow banks today are offered in Russian rubles.
Investing money in foreign currency is one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although rates on foreign currency deposits have decreased significantly due to exchange rate instability, you can receive income when the exchange rate against the ruble rises. This is how you can get the best income from your deposit in 2019.
Most banks in Russia offer foreign currency deposits in dollars and euros; deposits in other currencies are rare. You can compare currency quotes on our website in the "Currency Rates" section. However, there are few offers of deposits at good interest rates in these currencies, since the demand for them is low.
And yet, what kind of deposit should a pensioner, student or middle-aged person choose? Our “Deposit Selection” form will help you choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.
In 2019, today, among deposits in banks in Moscow, the most favorable high interest rate in rubles is on the deposit at the top (with NSZH) in Gazprombank (JSC) - 9.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. This is the best deposit in rubles according to our data.
For what period is it most profitable to place a deposit?
Each bank sets the return on the deposit according to this parameter independently. Although, assessing the market as a whole, the largest percentage is often set for a period of 9-12 months, if we consider products with the possibility of choosing a term. This approach can be explained by two components.
A shorter period does not allow you to use your funds in the long term. Accordingly, the bank will not receive the necessary income and reduces the interest rate on deposits.
For longer periods of time, more significant inflation risks are required. Therefore, to apply the highest percentage, it is worth choosing deposits for a medium term.
If you want to place funds for a longer period of time, but with the same high profitability, you can choose an offer with automatic extension. That is, after the deposit expires and there is no fact that you have applied to receive funds, it will be extended. It is important to pay attention that the extension is carried out under the same conditions.
Is it profitable to choose a deposit with automatic renewal upon expiration?
Yes. Deposits with extension are profitable. This is due to the fact that when its validity period expires, it is extended without the participation of the client. Often on the same terms as originally applied. This achieves two main benefits.
There is no loss of interest for the period from the expiration date of the deposit until the moment of its re-placement.
Recently, there has been a downward trend in the return on deposits. Accordingly, in a year it is impossible to place money in a bank with the current interest rate. Only auto renewal on the original terms allows you to do this.
Separately, it is worth noting the possibility of early termination of any deposit agreement. If you did not have time to contact the bank to withdraw the funds, or the automatic extension was carried out on unfavorable terms, then you can get the money back. Moreover, without loss of income received after the initial period of the deposit.
How would it be more profitable to open a deposit - go straight to the branch or via the Internet?
It is worth immediately noting that not all banks provide the opportunity to open a deposit remotely. Therefore, contacting a branch may be the only possible way to deposit funds. If a credit institution accepts citizens’ requests via the Internet, then this option is in most cases more profitable.
The surcharge on the interest rate can generally be 0.25-0.5% per annum. The possibility of providing it arises due to the lower costs of a commercial structure. Both for attracting a client (via the Internet it is less expensive than the classical method) and for directly concluding a deal. These essential expenses are converted into additional income for the investor.
Deposits in Moscow at high interest rates in 2018: compare the rates and conditions of today’s most profitable bank deposits for individuals, including pensioners.
Deposits at high interest rates in Moscow banks - 2018
Individual deposits are by far the most popular and sought-after way to invest money. By giving our savings to banks, we hope not only to save, but also to increase our funds. That’s why we try to choose deposits where the interest rates are the highest and the conditions are the most convenient.
Today, Moscow banks offer a large number of different types of deposits for individuals. But all of them can be divided into several large groups:
Time deposits at maximum interest rates. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot withdraw money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.
Replenishable deposits. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw even a small amount of funds from the account without losing income.
Spending deposits with partial withdrawal of funds without loss of interest. Such deposits have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued in this case.
The most profitable deposits in Moscow in rubles in 2018
In this comparative table, we have collected ruble deposits of individuals with the maximum interest rates that Moscow banks offer today.
Bank International Financial Club Deposit “Confident Choice”
Natsinvestprombank Deposit “Choice of Success”
- See what interest rates on deposits are offered today
Bank ZENIT Deposit “Dessert (online)”
Bank Klyukva Deposit “My Profitable”
Bank standard-credit Deposit "Urgent-Lux"
Inkarobank Deposit “Time of Discovery”
- See the conditions under which you can open a bank deposit today
Ziraat Bank Moscow Term Deposit
Bank New Age Deposit “VIP Top up”
Inkarobank Deposit “High Interest”
Deposits in Moscow at maximum interest rates in dollars
In this comparative table, we have collected dollar deposits of individuals with the maximum interest rates that Moscow banks offer today.
Bank "St. Petersburg" Deposit "Strategist online"
SMP Bank Deposit "Strategy"
Binbank "Investment in the future (Accumulative insurance)"
Alfa-Bank Deposit “Pobeda+ (Maximum+ package)”
Inbank Deposit "Maximum"
Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"
Oriental Express Bank Deposit "Vostochny (tariff zone 1)"
Promtransbank Deposit “Term in foreign currency”
Mosoblbank Deposit “Personal”
Which bank in Moscow is better to open a deposit?
When choosing a bank in Moscow for making a deposit, today you should first of all evaluate the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is insured against a fall. Of course, except for systemically important banks, which the Central Bank will most likely rescue in any case.
Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so it is possible to get your money back even if the bank fails.
How to open a bank deposit correctly
In pursuit of a high percentage, you can now secure your savings by choosing not even the most reliable bank for your deposit. Today it is more important to correctly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the amount that the DIA will return to you in the event of revocation of the license. It is better to break a large amount into parts and distribute it among several banks in Moscow at the most favorable interest rates.
You should also not open large deposits in one bank for yourself and close relatives. In the event of an insured event, you may be accused of allegedly wanting to deceive the DIA in this way.
It is also important to ensure that your deposit is actually opened and taken into account in the bank’s accounting department, and not taken off the balance sheet (similar cases have already happened), otherwise it will be difficult to prove the existence of a deposit.
The best interest rates on deposits in Moscow
When choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawal of money. Stops at deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If you think that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are time bank deposits for six months or a year. You can make a deposit for this period in order to get the highest rate, and then withdraw the money and deposit it again, perhaps in another bank in Moscow, which at that time will offer a more favorable interest rate.
Investment deposits in Moscow with maximum interest
Fighting for clients' money, banks have recently increasingly offered so-called investment deposits. According to their terms, the client, at the same time as registering a bank deposit, purchases, for example, securities or transfers a certain amount to a mutual investment fund. The interest rate on such deposits is usually higher than on others. But before you are flattered by a big income, check whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or whether it is better to choose a less profitable way of investing money, but a more reliable one.
Profitable deposits in Moscow banks with increased interest rates
When choosing the most profitable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a premium to the interest rate.
In addition, deposits in Moscow banks for premium clients have an increased interest rate. Signing up for service packages with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions in your account; sometimes it is enough to purchase a platinum card, which can really be convenient for you.
In a word, if you want to invest a large amount, then compare what will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles in a reliable bank with state participation.
Find out more about the conditions and interest rates of today's best personal deposits in Moscow on official websites or in bank branches. The information is not a public offer.
