Which bank has the highest interest rate on deposits? High interest deposits - which banks have higher interest rates? Deposit insurance system

When a person accumulates a certain amount of money, he thinks that it is more practical to store it away from home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide on a bank. Well, it’s worth briefly talking about the services of the most popular financial organizations in Russia.

Sberbank

Many people decide in the most reliable and proven organization. In any case, Sberbank is considered to be such. Here, potential clients will find several lucrative offers. You can make an anniversary contribution called “The Most Valuable.” It is opened for 175 days. Rate - up to 8% per annum. The client receives an insurance program as a gift.

There is also a “Save” contribution. It can be opened for a minimum of a month and a maximum of 3 years. Annual rate - up to 6.49%.

There are also deposits “Replenish”, “Manage”, “Give Life”, “Multi-currency”, “International” and “Savings”. It’s worth talking about the latter in more detail, since it is the most popular, since it is unlimited, and also replenished, with unlimited withdrawals and any minimum amount. The rate can vary from 1.5 to 2.3%.

Let’s say a person decided to open a deposit in Sberbank for a year and immediately deposited a million rubles into the account. Every month he replenishes it with another 20,000 rubles. As a result, over the course of a year he will accumulate 1,262,200 rubles, of which 22,209 is net income. True, with the same “Replenish” you will be able to earn more. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.

VTB 24

Many people decide to open a deposit in this bank. There are also enough offers. But the best is “Beneficial” with a maximum rate of 8.55%. With an initial payment of 1,000,000 rubles, the income will be slightly less than 80,000 rubles. By the way, the interest can either be left on or transferred to the card. It's whatever the client wants. Another good thing about VTB-24 is that it provides automatic extension of the deposit and preferential conditions for early termination.

But “Profitable” is bad because the account cannot be replenished. Therefore, it is convenient for people with substantial income who can open a deposit for a large amount. But “Comfortable” and “Cumulative” are replenishable tariffs. If you report 20 thousand rubles monthly, then at the end the profit will be 62 and 78 thousand rubles, respectively.

Rosselkhozbank

This is another popular financial institution. Many people decide to open a deposit in rubles here. One of the most popular offers is the “Classic” tariff. The minimum deposit amount is 3,000 rubles. It is not replenished, but the maximum rate is 8.55%. By the way, you can open a deposit for a period from 31 to 1460 days. If you make a deposit for the maximum period and deposit an amount of one million rubles, then the total profit will be slightly less than 335,000 rubles. But this is too long for many. However, even if you make a deposit for 395 days, the resulting profit will be 86,000.

The “Amur Tiger” tariff with a maximum rate of up to 8.1% is also popular. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid every month and, at the end of the term, is credited to the debit card issued to the client after registration of the deposit. You can use it to pay for housing and communal services, mobile communications, and purchases in online stores. And by making transactions with this card, a person also helps protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Conservation of These Rare Animals.

OTP

It is impossible not to pay attention to this organization when talking about which bank is the most profitable to open a deposit with. The OTP has several proposals. The “maximum” tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30,000 rubles; deposits and withdrawals are not possible. For the "Cumulative" tariff, the interest is 7.6%, for the "Pension" tariff - 7.4%, and for the "Flexible" tariff - 6.7%. There is also one with a rate of 6.5%.

Well, we can give an example of potential profit indicators. If a person invested a million rubles and topped up his account with 20,000 every month, then by the end of the year he would have collected 73,200 rubles on the “Accumulative” account. This is pure profit. In the case of the “Pension” plan, the amount will be about 83,000. And with the “Flexible” tariff, at the end of the term you will be able to earn 74 thousand rubles. “Maximum” is suitable for people with large incomes, since replenishments are not provided in its case.

"Gazprombank"

A certain part of Russians decide to open an interest-bearing deposit with this organization. Gazprombank has five proposals. They all relate to basic deposits. The first option is “Promising” with a maximum rate of 8.2%. The period can range from three months to 3 years. Replenishment is not provided.

There is also “Cumulative”. The rate is less than 8%, but you can top up your account, as is the case with the “Dynamic” tariff, the maximum rate of which is 7.9%, but partial withdrawals are still available. There is also a “Rentier” tariff (6.7%).

The most common option is “Cumulative”. Having invested a million, at the end of the year you will get about 74,000 rubles. But if you use the “Prospective” tariff, opening a deposit for three years, you will eventually be able to earn about 210,000 in interest.

Alfa Bank

Finally, let’s say a few words about this organization. Some people decide to open a deposit with Sberbank, while others are more impressed by Alfa.

The first offer is the “A+” tariff. The rate will be 7.3%. Having invested a million, at the end of the year you will be able to gain about 75,000. A similar tariff is called “Victory”. Only in this case the rate is 7.87%, and the final profit, accordingly, is about 79 thousand rubles. The deposit, by the way, can be opened for a period from three months to 750 days.

There is also a “Life Line” tariff. The bank transfers part of the income received from clients to the fund of the same name, which creates a culture of charity in society and financially helps children with serious illnesses. In addition to the above, clients are offered “Potential”, “Premium” and “Premier” deposits.

In general, as you can see, all banks have quite favorable conditions. A person will receive a profit in any case, and how large it will be depends on the amount of his contribution and the chosen tariff. Before going to a particular financial institution, it is better to familiarize yourself with all the popular offers and calculate the possible income from interest.

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 too.

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.

1. 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.
2. 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.

3. 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.
4. Deposit registration deadline. This factor is also significant, 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.
5. Mandatory input amount. Most investors are confident that they can deposit any amount they have at interest. However, this is not 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.

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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?

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money, which can be used in a variety of ways: hide the money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since interest on deposits in Moscow largely determines how much of the deposit will be added to the original one, many consider them the most important condition for the deposit and, on this basis, make the choice of program and bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profits. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• permanent or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow before the deadline;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other by the presence of capitalization.

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

In 2019, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

The deposit calculator on this page will help you quickly obtain all the necessary information on current deposits:

1. Enter your deposit requirements.
2. Get a complete list of current deposits in Moscow banks updated for today.

After this, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

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

Standard deposits

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

Deposits with additional features

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

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires 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 an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust - 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining 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. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified 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 down payment is from 100 thousand rubles. Processing times are 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 a special program for people of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a 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 placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible 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, maintaining 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. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

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

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

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

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, when 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 requests from citizens 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 transaction. These essential expenses are converted into additional income for the investor.