Deposit proposals. Deposits are high rates. The main types of deposits of individuals

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

Deposits at high interest rates in Moscow banks - 2018

Individual deposits are by far the most popular and demanded way of investing money. By giving our savings to banks, we hope not only to save, but also to increase our funds. Therefore, we try to choose such deposits, where and interest rates the highest and most comfortable conditions.

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

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

Refillable deposits. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time the interest grows. However, it is impossible to withdraw at least a little money from the account and not lose income.

Expenditure deposits with partial withdrawal of funds without loss of interest. These deposits have the lowest interest rates. But they make it possible to withdraw part of the funds up to a previously agreed upon minimum balance, on the amount of which interest will be charged 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 offered by Moscow banks today.

Bank International Financial Club Deposit "Confident Choice"

Natsinvestprombank Deposit "Choice of Success"

• See what interest rates on deposits offers today

Bank ZENIT Deposit "Dessert (online)"

Bank Cranberry Deposit "My profitable"

Bank Standard-Credit Deposit "Urgent-Lux"

Inkarobank Deposit "Opening Time"

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

Ziraat Bank Moscow "Urgent" deposit

Bank New Age Deposit "VIP Replenish"

Inkarobank Deposit "High interest"

Deposits in Moscow at maximum interest in dollars

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

Bank "Saint Petersburg" Deposit "Strategist online"

SMP Bank Deposit "Strategy"

B&N Bank "Investment in the future (Savings insurance)"

Alfa-Bank Deposit "Pobeda + (package Maximum +)"

Inbank Deposit "Maximum"

Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"

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

Promtransbank "Urgent Currency" Deposit

Mosoblbank Deposit "Personal"

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

Choosing a bank in Moscow for making a deposit, today you should first of all assess the size of the interest rate and the quality of customer service. If earlier experts recommended choosing the most large banks, as the most reliable, the current situation in the financial sector shows that almost no one is immune from falling. Of course, apart from systemically important banks, which the Central Bank will most likely save in any case.

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

How to open a bank deposit correctly

In pursuit of a large percentage, now you can secure your savings by choosing not even the most reliable bank... Today, it is more important to properly distribute savings so that total amount deposits of individuals in one bank did not exceed the amount that the DIA will return to you in case of revocation of the license. It is better to split a large amount into parts and spread it out 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 case of occurrence insured event, you may be accused of allegedly trying to deceive the DIA in this way.

It is also important to make sure that your deposit is really opened and accounted for in the bank's accounting department, and not taken off the balance sheet (there have already been such cases), otherwise it will be difficult to prove the presence of a deposit.

Best interest rates on deposits in Moscow

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 on deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If it seems to you 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 term 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 put it back, possibly 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 in Lately increasingly offer so-called investment deposits. According to their terms, the client, simultaneously with the registration of a bank deposit, purchases, for example, securities or transfers a certain amount into a share investment fund... The interest rate on such deposits is usually higher than on others. But before you are tempted by a large income, clarify 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 it is better to choose a less profitable way of investing money, but more reliable.

Profitable deposits in Moscow banks with increased interest rates

Selecting 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 a higher percentage. Getting a package of services 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 on your account, sometimes it is enough to purchase a platinum card, which may be really convenient for you.

In short, if you want to invest large sum, 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 or more in a reliable bank with state participation.

Find out more about the conditions and interest rates of the currently best deposits of individuals in Moscow on the official websites or in the branches of banks. The information is not a public offer.

When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks in which the highest deposit rates are valid, depending on the conditions deposit programs.

Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used in order to exclude proposals from companies that may be in an unstable financial position.

Standard deposits

Standard deposits mean deposits for a certain period that do not have additional functions- replenishment or partial withdrawal... As a rule, the rates for such deposits are the highest. Top ten leaders with the best offers looks like that:

Deposits with additional opportunities

Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.

Replenishing deposits

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

1. RosEuro Bank - 8.5%. Banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. The monthly interest can be capitalized or used as you see fit. 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%. There are two rates in the bank - 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 agreement. The minimum deposit amount is 50 thousand rubles. The size additional contributions is not limited.
3. TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the ability to replenish the account at any convenient time. Minimum limit for opening - 10 thousand rubles. Interest is paid every 400 days.
4. Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive 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 indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization 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. Replenishment of the account is possible, but no more than four times the initial balance.
8. BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. There is a capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moskovsky 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 you draw up a contract for 367 days. Bank charges capitalized or transferred to the client's account. Replenishment of the account is possible in the first 183 days.
10. Moskovsky Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides monthly capitalization percent. Replenishment is possible until maximum limit- 10 million rubles.

Partial withdrawal deposits

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 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 or more at the request of the client.
2. Novikobank - 8.5%. Novikobank offers a program with fixed periods 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 RUB 1.4 million. Interest is paid every 184 days.
3. National Bank Trust - 8.25%. At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The deadlines are fixed - 91, 181 and 367 days.
4. AK Bars - 8.25%. The bank has rather strict requirements regarding minimum size deposit - 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 Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that the minimum amount is maintained, individually indicated in the deposit agreement.
6. Orient Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the initial payment is from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank - 8%. Absolut Bank offers 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 amount of the deposit is maintained.
8. Ugra - 7.89%. 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 a deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - 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, keeping the established initial limit... 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. Top-ups can be up to 20 thousand rubles. In case of partial withdrawal of funds, the initial amount must remain on the account.

Opening a deposit

When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online applications.

Often, for opening a deposit account online, a client can even receive a premium to the stated rate.

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

28May

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

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 is easy to become a depositor: you should conclude an agreement for the placement of money in rubles or another currency 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.

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

Tinkoff Bank

1. Minimum contribution- 50,000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period- 24 months;
4. Minimum% rate – 5,5%
5. Maximum% rate – 8,8%;
6. Accrual%- to a deposit or, at the request of the client, to a card;
7. Replenishment- regardless of time, via the Internet;
8. Removal in parts- regardless of the time, as it is convenient for you.

Summary: ease of opening, the ability to withdraw and replenish an account at any time, a completely lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.

1. Minimum contribution- 1 ruble (depending on the type of deposit being opened);
2. Minimum placement period- 30 days ("Save" deposit);
3. Maximum placement period- 36 months;
4. Minimum% rate – 3%;
5. Maximum% rate – 7%;
6. Accrual of% - occurs depending on the type of deposit;
7. Replenishment - maybe;
8. Removal in parts- allowed.

Summary: the bank is undoubtedly reliable, stable, 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

1. Minimum contribution- 200,000 rubles;
2. Minimum placement period- 90 days;
3. Maximum placement period- 60 months;
4. Minimum% rate – 4,10%;
5. Maximum% rate – 7,4%;
6. Accrual% - every month;
7. Replenishment - maybe;
8. Removal in parts- possibly ("Comfortable" deposit).

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

1. Minimum contribution- 10 rubles (deposit "On demand");
2. Minimum placement period- depends on the type of deposit;
3. Maximum placement period- depends on the type of deposit;
4. Minimum% rate – 0,01%
5. Maximum% rate- 8.75% ("Investment" deposit);
6. Accrual% - every month;
7. Replenishment - yes, for deposits "Managed", "Cumulative", "Pension income"
8. Removal in parts- yes, for deposits "On Demand" and "Managed".

Summary: the amount of the initial payment is available to everyone, there are no restrictions on the terms of the deposit.

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

Summary: 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.

1. Minimum contribution- 100 rubles (for the "Pension" deposit);
2. Minimum placement period- 90 days;
3. Maximum placement period–1095 days;
4. Minimum% rate - 0.01% (on demand deposit)
5. Maximum% rate- 7.8% (on the "Vacation" deposit);
6. Accrual% - at the end of the term;
7. Replenishment - Yes;
8. Removal in parts - only on the "Dynamic" deposit.

Summary: the bank is a member of the deposit insurance system, there is the possibility of personal consultation.

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

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

Bank opening

1. Minimum contribution – 50,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period – 2 years;
4. Minimum% rate – depends on the type of deposit;
5. Maximum% rate – 8%;
6. Accrual% – Once a month (capitalization is available);
7. Replenishment - maybe;
8. Removal in parts - possibly on the "Free Governance" contribution.

Summary: there is an opportunity to replenish the amount of the deposit, online opening is available.

Alfa Bank

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period - more than 3 years;
4. Minimum% rate – 4,5%;
5. Maximum% rate – 7.2% on the "Pobeda +" deposit;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts - Yes.

Summary: there is the possibility of receiving serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 36 months;
4. Minimum% rate – 5%;
5. Maximum% rate – 8,5%;
6. Accrual% – every month;
7. Replenishment - yes, for the "Always at hand" deposit;
8. Removal in parts – maybe.

Summary: it is possible to make the minimum contribution in several payments, there is the possibility of monthly replenishment.

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

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

UBRD

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

Summary: a small amount of the first installment, the choice of deposits is wide.

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

Summary: 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.

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

Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and% can also be received every month.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 36 months;
4. Minimum% rate - 7,0%;
5. Maximum% rate – 8.22% (if you deposit 3 million rubles);
6. Accrual% – Once a month or at the end of the term;
7. Replenishment - Yes;
8. Removal in parts – no.

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

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

Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum% rate – 6,5%;
5. Maximum% rate – 8,6%;
6. Accrual% – everyday (if the deposit "On demand" is open);
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: can be replenished open deposits and withdraw some of the funds.

Bank "Ugra

1. Minimum contribution – 100 rubles;
2. Minimum placement period – 61 days (for the "Special Client" deposit)
3. Maximum placement period – 36 months;
4. Minimum% rate – 6%;
5. Maximum% rate – 10%;
6. Accrual% – 1 time per month;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: deposits can be replenished and withdrawn money in parts, initially you can make a small amount.

Uralsib Bank

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

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

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

Summary: the bank offers a fairly wide choice, when you open it in the Internet bank, the percentage is slightly higher.

Comparison table for all banks

In the next part of our conversation, we will consider how to properly compare the contributions.

How to compare different contributions

It is clear that the most important indicator by comparison, most people count the interest rate. But no less important are the indicators that we have already examined in the table above: the ability to withdraw money and replenish the account.

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

Separately, we note that at present, it is becoming increasingly popular to open deposits without visiting a bank office, online or through an ATM. Some banks offer a slightly higher percentage than the standard for such an opening. We have already written about this in the article.

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

There is one more criterion for comparison: the size of the minimum and maximum contributions. This is not to say that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions... Speaking simple language, this means that if you withdraw funds in part, this amount must remain on the account.

You cannot withdraw money more than this amount, you will lose everything that was credited. This is especially important for depositors who have small amounts funds, 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 in order not to lose money, to save it, and also to increase its amount. But there are a number of other goals as well. Let's talk about them.

1. Make money.

Do not be surprised, it is quite possible. Banking organizations often hold promotions of a different nature. If the circumstances go well, you can get additional income.

2. Get benefits.

Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, preferential conditions for mortgage lending... Imagine, there are not so few people willing.

3. Protect your money from inflation.

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

4. Save up for a large purchase.

We all know that there are people who don’t have 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.

In this case, it comes to the rescue. Bank deposit... Moreover, it is better such that it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let's talk in more detail about what deposits are generally available and how they are classified.

What are the deposits

To attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more. We will now consider the most popular types of deposits for us - ordinary people.

All deposits can be roughly divided into 2 categories: urgent and poste restante. Urgent deposits are opened for a specific time, demand deposits do not have a specific term.

Savings.

It should be noted that the highest rates are for this group. In addition, it is not always allowed for such deposits to withdraw money, as well as deposit funds into the account.

Estimated.

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

Accumulative.

Provided for those clients who plan to replenish it during 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, retirees, and so on.

By seasons.

Timed to coincide with a certain season. They often have quite high rates, but there is no possibility of rollover.

Mortgage.

Designed for those who want to save up on their own an initial fee on a mortgage. They can be replenished, but they cannot be automatically renewed.

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

Indexed.

This contribution is classified as urgent and is tied to the change in the value of an asset. An asset can be the dollar rate, securities, precious metals, and so on.

Multicurrency.

The meaning of such a deposit is that funds are stored in different currencies: most often they are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.

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 a conversion. A commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.

Baby.

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

Numbered.

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

How to choose a bank to place a deposit

The choice of a banking organization, which you can entrust money and not be afraid of losing it, will take a decent amount of time.

To make this task a little easier, here are some guidelines:

1. Don't neglect other people's reviews. Check them out, it certainly won't be superfluous. Only Special attention pay to those that are presented on the network as a whole, and not on the official websites of the banking organization.
2. Study the information in the media for publications about the bank in a negative way.
3. When visiting the bank, clarify how interest rates work on deposits: if they are too high, this is a reason to be wary;
4. 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 do not need to be an expert in the field of economics to understand the topic;
5. Find out if the bank has branches and branches;
6. An important criterion for choosing is the bank's participation in the system state insurance deposits. This information is freely available on the Internet, it will not be difficult to find it.
7. 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 to understand it common man difficult, specialist help is required.
8. An important indicator is the amount.
9. You can ask about the bank's ratings, they are published by special agencies. Of course, keeping track of them is difficult, but how Additional information it is quite possible to use.
10. An indirect sign that the bank is not doing well is frequent failures in various operations.

The mistakes we make when choosing a bank

Not always a potential depositor can adequately assess the reliability of the chosen banking organization.

Mistakes, by the way, are the most commonplace ones:

1. Choosing the highest deposit rate... This is dictated by the desire to increase the amount of their funds. If this is all your goal, you better take advantage of the other financial instrument... Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
2. Excessive trust in bank specialists... Even if the employee speaks convincingly and beautifully, his words should be supported by something. Stable and reliable institutions provide clients with all the information in the public domain.
3. Opening a deposit in a servicing banking organization... Often, depositors entrust their funds to the bank in which they receive salaries or other types of permanent payments. It is convenient, but you do not need to carry all the money to one institution, it is better to distribute it among several.
4. Following unverified guidelines... The experiences of your friends and family are important, but don't blindly follow. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

Summing up a small summary, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.

State deposit insurance

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

In 2017, deposits up to RUB 1,400,000 were insured. If you have open deposits in several banks and all of these credit institutions filed for bankruptcy, from each you will receive 1,400,000.

This program also applies to deposits made in foreign currency. Amount in in this case will be calculated at the rate that is valid on the date of revocation of the license from the bank. The recalculation is carried out in rubles.

Reasons for refusal to open a deposit

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

This does not happen often, and the reasons may be of the following nature:

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

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 their safety. We propose to analyze the lines of deposits that these institutions offer, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most of the deposit programs do not require payment. The 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 the fact that insurance rates... This means that there is no need to expect a high level of profitability.

You may ask: do you need to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course make the payment. But if you have not been notified about this for 3 years, you can not pay.

Deposit interest: how to calculate

To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of the banking organization. Before entrusting your hard-earned money to the bank, try calculating the interest yourself. You may find it difficult, but we will try to explain in the simplest possible way how to do it.

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

They will not show a real result, because:

1. Their functionality is scarce, the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
2. Calculate everything before you decide on the bank and type of deposit. This is necessary for evaluating and comparing different offers.
3. If you have any questions, please 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: by the formulas of compound or simple interest. The key parameter in both cases is the interest rate on the deposit.

The concept of% on a deposit is understood as the amount that the bank pays to its client for the use of his money.

The amount of the rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.

If we are talking about easy way accrual%, then they are not added to the deposit amount, but 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 main amount has increased, which means that the total profitability is also growing.

Formulas

We calculate interest in the case of simple accrual:

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

• S - accrued%;
• P is the amount you deposit;
• I - the rate on the deposit for the year;
• t - number of days for which% will be counted;
• 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 accrual of% is simple. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 365/365) / 100 = 19,000 rubles.

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

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

• S - accrued%;
• P is the amount you deposited;
• I -% on the deposit for the year;
• j is the number of days in the billing period;
• K is the 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 term of the deposit, the income of O. will be: (200,000 * 9.5 * 180/365) / 100 = 9369 rubles. (for 6 months).

Currency contribution: nuances

With the prevailing economic conditions depositors 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 amount of the deposit will be paid to you in rubles.

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

What are the risks of depositors

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

The most common are the following:

• The banking organization was declared bankrupt;
• Personal income tax payment;
• Increase in rates for long-term deposits;
• Liquidity risk;
• Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation, 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 the money to you.

Personal income tax payment.

This will have to be done only 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 has become 12%, you will lose 3% of your income.

Liquidity.

This risk arises if you terminate the term deposit agreement ahead of schedule. It is better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

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

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people have applied to the Deposit Insurance Agency with statements that people cannot receive 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 this scam? It turned out that banking organizations were kidnapping cash from the accounts of their depositors. Double-entry bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that the deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, they reflected only 50 rubles.

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

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

Follow this algorithm:

• Contact banking organization with a statement about insurance indemnity by attaching the documents that you have in your hands;
• The application from the bank is forwarded to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, amendments will be made to the register of payments;
• 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.

You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, 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 get income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe profitable investment money for everyone and depends on the depositor's attitude to the reliability of the bank, auto-rollover, capitalization and other conditions. The best interest rates on deposits usually come with risks and some inconvenience for the depositor.

This page contains banks offering the maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the "Checkout" button - you will be redirected to the bank's website.

"Creditznatok" is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest on deposits in Moscow and you will be able to profitably use your money right now.

Analysis of profitable offers

Proposals that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated against the new increased amount. Among the best lucrative offers are:

• do not allow replenishment and partial withdrawal of funds;
• not allowing the withdrawal of income before the end of the contract;
• promotional offers of banks dedicated to memorable dates.

Time deposits with the highest interest rates can also be found among foreign exchange products: the interest rate here is lower than that of rubles, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high interest rate are easier to find in less popular small banks. With an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over quick money... Additional advantages - convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to make a profitable investment. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a high rate exceeding the refinancing rate by 5 points will entail a tax payment of 35% on the difference between the interest.

To find out more, click on the "Checkout" button: get all the necessary information and fill out an application on the bank's website. Look for profitable offer together with Creditznatok!

Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete. It is also important to take into account such a factor as risk.

Attention: the most actual information about current rates and conditions - (updated weekly).

As known, state system deposit insurance guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.

1. The most reliable bank is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business. No wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors. Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB.
2. Private banks from the Top 50 are the choice of people who, in to a greater extent trusting private capital, they prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation). Among the most popular banks in this group are Home Credit Bank, Russian Standard, and MTS Bank (places from 18th to 38th in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors in February 2019. ...

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Now Sberbank:

1 seasonal deposit "Catch the Benefit" - from 7.1% to 7.65% per annum;

8 time deposits in rubles and dollars (up to 5.75% on the “Save” deposit in rubles);
- 6 deposits for the owners of the Sberbank First and Sberbank Premier service packages - Leader Save, Leader Replenish, Leader Manage and Special Save, Special Replenish, Special Manage. Rates in rubles - from 4.70% to 6.85%, in US dollars - from 0.90% to 3.40%, in euros - 0.15% -1.0%.

3 online deposits in rubles and dollars (rates are higher than for term deposits, on average by 0.25%);
- 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible. You can choose between replenishing and non-replenishing deposits, with a different scheme of interest payment (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is "within the leverage" of any person.

VTB

This bank offers several deposits on different terms (we can say that they are about the same with VTB as with Sberbank):

Seasonal deposit "Growth Time", open before April 30, 2019 for 180 and 380 days, with a maximum rate of 7.60% (for online opening - 7.70%). For purchases from 75,000 rubles on the Multicard VTB rate on the deposit may increase up to 9.2% per annum.

3 deposits opened in bank branches - Comfortable, Savings and Profitable at rates from 2.50% to 7.16% per annum in rubles, from 0.01% to 3.56% - in US dollars, in euros - 0.01 % -0.96%.

3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at the same rates, but with a lower initial investment amount.

Savings deposit with flexible terms in rubles. Owners of VTB Multicard have the opportunity to open a Savings Account at rates from 4% to 8.5% per annum, and the size of the interest rate depends on monthly amount purchases on the Multicard.

Gazprombank

This bank has a variety of deposit offers: there is an investment one, including investments in mutual funds (up to 8.2%), savings deposits for various purposes in rubles (up to 8.0%), dollars (up to 3.25%) or euros (up to 0.40%). A deposit for pensioners is also offered at 6.8% 7.5% in rubles, 1% -2.05% in dollars and 0.01% -0.35% in euros. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rates - up to 8.55% in rubles, 4.50% in dollars), 2 pension savings programs(up to 6.85%). Some deposits are standard savings accounts, the maximum rate for which reaches 6.45% in rubles, 3.40% in dollars, 0.65% in euros. Interest rates are higher here compared to some other banks, and the terms of placement are broader - interest at the end of the term or monthly, with replenishment / no replenishment, with partial withdrawal / without withdrawal, that is, for every taste.

Russian standard

This bank offers 6 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 6.0% ("Universal") to 7.5% per annum ("Maximum income +", "Pension!"), And in foreign currency - up to 1.0% on the deposit "Maximum income" ... Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.

Home Credit

Home Credit offers: two foreign currency deposits: up to 2.50% in US dollars and up to 0.5% in euros, several ruble deposits with different conditions: from 5.5% to 8.0% per annum, 2 deposits for pensioners can be opened in Russian rubles(from 6.2% to 7.7% per annum), another deposit in rubles can be opened at 7.7% per annum, with an amount of 1 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want good income and allocates funds for a period of 2 to 24 months.

MTS-Bank

MTS Bank offers 9 deposits in rubles / dollars / euros, including investment and pension. Rates in rubles at this bank are in the range of 5.0-7.8%, and in foreign currency - from 0.01% to 3.30% per annum. You can choose a deposit with the most flexible conditions at a good percentage. An additional 0.25% to the base rate can be received by clients opening a deposit in the Internet Bank, as well as salary clients - with a deposit amount of 50,000 rubles or more.

Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured.

Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit). But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your contribution not only profitable, but also convenient in terms of using money.

Updated in February 2019.