The highest bank interest on deposits. Comparative rating of Russian banks on interest rates on ruble and currency deposits of individuals. Where it is more profitable to keep money

Passive income is a pleasant salary bonus. There are many places where people often invest in the hope of creating: game on currency market, deposits in cryptocurrencies, investment in companies and another. But these methods do not guarantee the result. Attaching money on any purpose, you should be aware of the risks and be ready for the defeat and loss of finance.

The least risky way to increase profits on an ongoing basis is a bank deposit. The individual provides its savings to the bank, for which the bank monthly or annually pays a certain percentage of the embedded amount.

The best interest on deposits in banks

Trust Finance should only be reliable structures. This is one of the main criteria, according to which the depositors choose the bank. Nowadays, bank crises are not uncommon. It is good to have confidence that your bank will not collapse during the next strip of financial difficulties.

The second important parameter becomes the interest rate. These are the money you will receive as net profit from deposit. It is desirable that not only high percent, but also comfortable accompanying conditions for the contributor. Passively accumulated funds can be subsequently multiplied by starting.

To combine bank reliability and profitability, we made up actual list The most profitable contributions.

"My income" (Promsvyazbank)

Conditions:

• currency - rubles;
• the minimum amount is 100,000 rubles;
• terms and interest:
  • for 91 days - 6.6%;
  • for 181 days - 6.7%;
  • 367 days - 6.7%.

Among the bank programs, this deposit has a maximum interest rate. If the client wishes to terminate the contract ahead of time, Preferential conditions will make the process rapidly and with minimal losses. To take part of the money or replenish the deposit amount during its action.

Interest is paid at the end of the agreed period at the same expense on which the initial contribution is posted. If you close a deposit later established period, only half of the accumulated interest will be paid, so observe the punctuality. To open a deposit, contact either the local Promsvyazbank office, or in the PSB-Retail available on the Internet.

"Maximum Income" (Moscow Credit Bank)

Conditions:

• the minimum amount is 1000 rubles; 100 US dollars; 100 euro;
• terms and interest for deposits in rubles:
  • 95 days - 5.75%;
  • 185 days - 6.25%;
  • 370 days - 6.75%.
• • 95 days - 0.75%;
  • 185 days - 1.10%;
  • 370 days - 1.45%.
• • 95 days - 0.01%;
  • 185 days - 0.20%;
  • 370 days - 0.55%.

According to the primary agreement, interest is paid at the end of the term. However, the Bank has created the ability to connect additional options. So, the depositor can partially shoot invested funds, replenish the score, as well as require percentage monthly. To connect one or more services described, an additional contract should be concluded.

In the presence of additional conditions, percentages are provided. If the client has an annual program "Service Package", deposits in rubles will add 0.25%, and in foreign currency - 0.15%. The same amount of allowances are possible if the contribution is not in the bank office, but in the ICD online or in the ICD terminal. If you do not close the deposit on time, its action is extended automatically by increasing. And after the unclosed year, another 95 days will be added.

"Maximum Income" (Sovcombank)

Conditions:

• currency - rubles, Euro dollars;
• the minimum amount is 30000 rubles; 5000 US dollars; 5000 euros;
• terms and interest when opening a ruble contribution in the office for up to 1 year:
  • when terminated for 31-90 days - 6.6 / 7.6% (Map "Halva");
  • when terminated for 91-180 days - 7.0 / 8.0% (Map "Halva");
  • during termination within 181-270 days - 6.6 / 7.6% ("Halva");
  • during termination within 271-365 days - 6.6 / 7.6% ("Halva").
• terms and interest when opening a ruble contribution in the office for up to 3 years:
  • when terminated to 90 days - 6.8 / 7.8% (Map "Halva");
  • when terminated to 180 days - 7.2 / 8.2% (Map "Halva");
  • when terminated to 365 days - 6.8 / 7.8% (Map "Halva");
  • when terminated to 730 days - 6.0 / 7.0,% (Map "Halva");
  • when terminated to 1095 days - 6.0 / 7.0% (Map "Halva").
• terms and interest when opening a ruble contribution through an Internet bank for up to 1 year:
  • during termination for 31-90 days - 6.6%;
  • during termination within 91-180 days - 7.0%;
  • when terminated for 181-270 days - 6.6%;
  • during termination within 271-365 days - 6.6%.
• terms and interest when opening currency deposits:
  • in US dollars at 271-365 days - 1.55%;
  • in US dollars for 1095 days - 3.00%;
  • eURO by 271-365 days - 1.00%.

It is impossible to partially remove the funds, but it is allowed to replenish the score. Minimum deposit amounts - 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit period.

"Reliable" (discovery)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 50,000 rubles; 1000 US dollars; 1000 euros;
• terms and interest:
  • for ruble deposits on 91 or 191 day - 6.42-7.30%;
  • in US dollars for 91 or 181 day - 0.20-0.80%;
  • in euros at 91 or 181 day - 0.10%.

Accumulated interest paid every month. Capitalization is possible: This means that with each new interest accrued, the previous ones are added to the initial amount of the contribution. The rate rises if you own Pension card This bank.

"Maximum percentage" (Binbank)

Conditions:

• currency - rubles, dollars, euros;
• deposit period - from 3 months to 2 years;
• the minimum amount is 10,000 rubles; 300 US dollars; 300 euros;
• terms and interest for ruble deposits:
  • when opening in the bank's office - 6.10-7.30%;
  • for individuals (pensioners) - 6.25-7.45%;
  • when opening over the Internet - 6.30-7.50%.
• terms and interest for deposits in US dollars:
  • when opening in the bank's separation - 0.55-1.65%;
  • for individuals (pensioners) - 0.55-1.65%;
  • when opening over the Internet - 0.55-1.65%.
• terms and interest for contributions to euros:
  • when opening in the bank's separation - 0.01%;
  • for individuals (pensioners) - 0.01%;
  • when opening over the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, take part of the money or receive monthly payments. The entire embedded amount together with interest is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

• currency - rubles, dollars;
• dates of opening of the deposit - from 31 to 1460 days;
• the minimum amount is 3000 rubles; 50 US dollars;
• interest rate for ruble deposits - up to 6.70%;
• interest rate for deposits in US dollars - up to 2.45%.

Some of the most comfortable conditions. An individual can receive interest even with small deposits For a short time. To replenish and spend the funds cannot be replenished, but there are several options for percentages: capitalization and monthly conclusion is available.

"Profitable" (VTB 24)

Conditions:

• currency - rubles;
• minimum amount:
  • when opening a contribution online - 30000 rubles;
  • when opening a contribution to the Bank's separation - 100,000 rubles.
• terms and interest when opening a contribution to the Bank's Office:
  • for a period of 3-5 months - 6.20 / 6.23%;
  • for a period of 6 months - 6.20 / 6.28%;
  • for a period of 13-18 months - 5.90 / 6.15%;
  • for a period of 18-24 months - 5.70 / 6.02%;
• terms and interest when opening a contribution online:
  • for a period of 3-5 months - 6.60 / 6.64%;
  • for a period of 6 months - 6.60 / 6.69%;
  • for a period of 6-13 months - 6.15 / 6.23%;
  • for a period of 13-18 months - 6,10 / 6.29%;
  • for a period of 18-24 months - 5.90 / 6.15%;
  • for a period of 24-36 months - 5.70 / 6.02%;
  • for a period of 36-61 month - 3,10 / 3.25%.

In this deposit, increased yield, but when removing funds until the end of the contract, it is lost. Capitalization is possible. If you do not close the deposit on time, its period is automatically extended for the lowest possible time (3 months), but not more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the initial rate. But for this, the deposit period must exceed 181 days.

"Victory +" (Alpha Bank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 10,000 rubles; 500 US dollars; 500 Euro;
• interest rates:
  • in rubles - 5.5-6.23%;
  • in US dollars - 0.35-2.38%;
  • in euro - 0.01-0.20%.

It is impossible to replenish the deposit or partially to take money. Accrued interest are capitalized, but the client loses them in case of early termination of the contract.

"Savings" (Gazprombank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 15,000 rubles; 500 US dollars; 500 Euro;
• deadlines - from 3 months to 1097 days;
• interest rates for ruble deposits:
  • in the amount of from 15,000 to 300,000 rubles - 5.6-5.8%;
  • in the amount of from 300,000 to 1,000,000 rubles - 5.8-6.0%;
  • in the amount of from 1,000,000 rubles - 6.0-6.4%;
• interest rates for deposits in US dollars:
  • in the amount of 500 to 10,000 dollars - 0.30-1.40%;
  • in the amount of 10,000 dollars - 0.40-1.50%;
• interest rates for contributions to euros:
  • in the amount of 500 to 10,000 euros - 0.01%;
  • in the amount of 10,000 euros - 0.01%.

A long time provides for the presence of separate conditions for interest payments. As a result, during the deposit period, over 365 days, interest is paid not at the end of the whole period, but at the end of the calendar year. It is forbidden to replenish the score or remove funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the office of the bank.

"Pour" (Sberbank)

Conditions:

• currency - rubles, dollars;
• the minimum amount is 1000 rubles; 100 US dollars;
• deadlines - from 3 months to 3 years;
• terms and interest rates for ruble deposits when opening through Sberbank online (from 1000 rubles):
  • for 3-6 months - 3.70 / 3.71%;
  • for 6-12 months - 3.80 / 3.83%;
  • for 1-2 years - 3.60 / 3.66%;
  • for 2-3 years - 3.45 / 3.63%;
  • for 3 years - 3.45 / 3.63%.
• terms and interest rates for ruble deposits when opening through Sberbank online (from 100,000 rubles):
  • for 3-6 months - 3.85 / 3.86%;
  • for 6-12 months - 3.95 / 3.98%;
  • for 1-2 years - 3.75 / 3.82%;
  • for 2-3 years - 3.70 / 3.83%;
  • for 3 years - 3.60 / 3.80%.
• terms and interest rates for ruble deposits when opening through Sberbank online (from 400,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75 / 3.96%.
• terms and interest rates for refrigerated contributions when opening through Sberbank online (from 700,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75 / 3.96%.
• terms and interest rates for refrigerated contributions when opening through Sberbank online (from 2,000,000 rubles):
  • for 3-6 months - 4.00 / 4.01%;
  • for 6-12 months - 4.10 / 4.14%;
  • for 1-2 years - 3.90 / 3.97%;
  • for 2-3 years - 3.85 / 4.00%;
  • for 3 years - 3.75%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 1000 rubles):
  • for 3-6 months - 3.45 / 3.45%;
  • for 6-12 months - 3.55 / 3.58%;
  • for 1-2 years - 3.55 / 3.58%;
  • for 2-3 years - 3.30 / 3.41%;
  • for 3 years - 3.20 / 3.35%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 100,000 rubles):
  • for 3-6 months - 3.60 / 3.61%;
  • for 6-12 months - 3.70 / 3.73%;
  • for 1-2 years - 3.50 / 3.56%;
  • for 2-3 years - 3.45 / 3.57%;
  • for 3 years - 3.35 / 3.52%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 400,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 700,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for refrigerated contributions when opening in the bank branch (from 2,000,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1-2 years - 3.65 / 3.71%;
  • for 2-3 years - 3.60 / 3.73%;
  • for 3 years - 3.50 / 3.68%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 100 dollars):
  • for 3-6 months - 0.25%;
  • for 6-12 months - 0.55%;
  • for 1-2 years - 0.85%;
  • for 2-3 years - 0.95%;
  • for 3 years - 1.05%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from $ 3000):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 10,000 dollars):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from 20,000 dollars):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank online (from $ 100,000):
  • for 3-6 months - 0.30%;
  • for 6-12 months - 0.60%;
  • for 1-2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• • for 3-6 months - 0.05%;
  • for 6-12 months - 0.20%;
  • for 1-2 years - 0.50%;
  • for 2-3 years - 0.60%;
  • for 3 years - 0.70%.
• terms and interest rates for dollar deposits when opening in the bank branch (from $ 3000):
  • for 3-6 months - 0.05%;
  • for 6-12 months - 0.25%;
  • for 1-2 years - 0.60%;
  • for 2-3 years - 0.70%;
  • for 3 years - 0.80%.
• terms and interest rates for dollar deposits when opening in the Bank's Office (from 10,000 dollars):
  • for 3-6 months - 0.05%;
  • for 6-12 months - 0.30%;
  • for 1-2 years - 0.65%;
  • for 2-3 years - 0.75%;
  • for 3 years - 0.85%.
• terms and interest rates for dollar deposits when opening in the bank branch (from 20,000 dollars):
  • for 3-6 months - 0.10%;
  • for 6-12 months - 0.40%;
  • for 1-2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.
• terms and interest rates for dollar deposits when opening in the bank branch (from 100 dollars):
  • for 3-6 months - 0.10%;
  • for 6-12 months - 0.40%;
  • for 1-2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.

By deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the deposit amount. The deposit can be freely replenished, but to make money before the expiration of the term, in whole or in part, is not permitted.

Tip: Find out what financial institutions Today .

How to calculate the profitability of the deposit?

Distributing interest under the conditions of the bank is not always easy. The standard formula provides a fixed number of interest accrued and the amount of the contribution that does not change throughout the entire period. Calculation is made as follows: Deposit amount * Deposit validity time * The agreed percentage. For example: the deposit amount is 100,000 rubles, time - half a year, the interest rate is 10% per annum. As a result, we get: 100,000 * 0.5 * 10% \u003d 5,000 rubles of income.

Formula of the profitability of the deposit with capitalization Includes a few more conditions. After all, it is necessary to take into account that the size of the contribution and percent is slightly increasing for each period of their accrual. In this case, it is necessary to count so: N * (1 + p * d / d / 100) n-nwhere

• N is the initial deposit size;
• P is the interest rate;
• d - calendar daysafter which new percentages are accrued (as a rule, it is 30 or 31 days);
• D - 365 or 366 days a year, depending on the current year;
• n - how many times the interest is accrued (if the capitalization period is 30-31 days, then this number will be 12).

Common Errors when choosing a contribution

Typical opinions of most sometimes are able to lead to unpleasant situations. Banks try to play maximum benefit from customers, so customers should be attentive, choosing favorable conditions for themselves. After all, they are good for the bank and bring profits in any variations provided.

First error.The offer looks noticeable and in all respects is better than others. The interest rate is significantly higher than the average in the market. This is a signal to look at the bank itself. Positive Event Development: A big holiday and similar shares of the Bank attracts new customers. Negative option: the bank is unreliable and can collapse at any time. His action plan is based on to get the most important benefit from customers who want the same - greater money In a short time. Then such organizations declare bankruptcy, and depositors lose everything.

Tip: Check each bank for deposit insurance agency in the system. This organization returns citizens' deposits in the event of the liquidation of banks. Initially dubious structures with it, as a rule, are not associated. Also on the AKB website you can see which banks are already eliminated or in the process.

Second error.You choose the maximum deposit term, because it pays the most percent. The "underwater stone" is that now the ruble exchange rate is not tied to the cost of oil. His fall and it is impossible to predict. In case of sudden weakening national currency Banks will raise new interest rates, leaving existing contributions at the same level of payments. As a result, the early termination of the treaty will return much less money to you, and without it, it is impossible to translate to new conditions of the deposit.

Tip: If you wish to take the maximum time, take the average. Preferably with capitalization of interest. The term of the deposit should not exceed one year.

Third error. The conditions of the contribution provide for a huge amount of possibilities: the removal and replenishment of the account at any time, the capitalization of interest and much more. Pay attention to the bet: it is clearly not maximum. The presence of some benefits is cleaned by others.

Tip: Follow priorities before opening the deposit. Are you important to capitalization of interest? And their monthly removal? Is it possible to shoot a part of the invested funds before the term? Based on the answers received, choose the bank only with those additional offers that you really need.

Fourth error.Ignoring the achievements of civilization. Most large banks translate their services to the Internet format. There are even banks that are fully functioning using the network. As a consequence, it may be that if you open a contribution over the Internet, the interest rate will be significantly higher, and the minimum contribution is lower than when opening in the office.

Tip: If we are afraid of the data saving, always check the address of the page on which you are. From above there should be either a similar pictogram with a lock (see below), or the inscription HTTPS is green.

This means that communication channels are encrypted and confidential. also in monetary operations Two-factor authentication is used: without an SMS with an access code, you will not be able to insert nor output the means.

Let's sum up

Deposits in banks - for individuals. Choosing conditions, do not always be seduced by a high interest rate. It is best to check the market for such proposals and to invest in a deposit on the conditions corresponding to the highest plank of proposals. In order to avoid the risk of losing money, do not trust the banks that did not hear anything before.

Also, initially decide what you want to get from the contribution. Additional income guarantees capitalization of interest. Choose the real time to which you do not need this money. Early dissolution The contract with the Bank is fraught with a much smaller amount of money than was indicated in the contract.

Contribution or so-called "deposit" is cashthat the client accommodates in the bank to protect and increase its capital.

The higher interest rate bank deposit - the more potential income. In Moscow, the best interest on ruble and monetary deposits Often are offered during seasonal sentences or other special shares of banks.

Bank deposits For individuals of Moscow, they differ in terms of time, currency and rates, also meet additional conditions (Possibility of replenishment, partial removal without percent loss, monthly interest payments on the card and others).

And small, and larger reliable banks of Moscow offer several in 2020 additional features According to urgent deposits and deposits with maximum and not high percentages for individuals:

• partial removal and replenishment funds on the deposit account gives the client the opportunity to use money without breaking the contract with the bank;
• capitalization - This is a monthly interest accrual to the deposit account. That is, future interest are accrued not only on the amount of the initial contribution, but also added percentages;
• automatic prolongation - Automatic extension of the contract if the contributor does not take into account at the end of the validity period.

To arrange itself the best contribution in rubles or currency profitable bet In the city of Moscow, consider these three points.

Depending on the urgent currency used deposit deposits divide on ruble, currency (deposits in euros, dollars, british pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable interest rate deposits in Moscow banks are offered today in Russian rubles.

Investment in currency - One of the popular techniques for preserving and multiplying your capital in the city of Moscow, even in crisis time. Although rates on foreign currency deposits due to the instability of the course significantly decreased, you can get income in increasing currency rate to ruble. So you can get the best income from the deposit in 2020.

Most banks of Russia offer currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the Currency Courses section. However, proposals of deposits under a good percentage in these currencies are a bit, since the demand for them is low.

What to choose the contribution of a pensioner, a student or a middle-aged person? Choosing a proposal with a better bet and conditions will help you with the form "Choice of the Deposit". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the best suggestions.

In 2020, today among deposits in Moscow banks, the most profitable high percentage in rubles at the deposit is a contribution to the top (with NIC) Gazprombank in Gazprombank Bank (AO) - 8.10% per annum. The minimum deposit amount of 50,000 rubles with interest paid at the end of the deposit period. According to our data, this is the best bank deposit Moscow S. maximum rate in rubles.

Even in a difficult economic situation in 2020, there is an opportunity to invest money so to earn. One way is to issue a profitable deposit for individuals. But in which of the most reliable banks of Russia today is the highest percentage of deposits? The agency's specialists website analyzed the proposals of the country's largest banks, reaching an overview of deposits in rubles with profitable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest money to get passive income. You can buy currency and wait for it to grow in price, you can earn money on forex, invest in PAMM account, try to get income, trading binary options and much more.

All these ways to make money bring a rather high profit, but also associated with a certain risk. Bank deposits of individuals and today remain the most reliable and traditional way of investing savings in Russia.

Choose the most profitable contribution: what to pay attention to

Choosing a bank to entrust money depositors, as a rule, pay attention to at least two parameters:

• - the amount of interest rate, which allows you to choose a contribution with maximum income;
• - the reliability of the bank, which allows not to worry about the safety of savings even during the banking crisis.

Complete a high interest rate and sufficient reliability of the bank is quite difficult. Analysts agency site tried to do this by studying the conditions of deposits in the rubles of the Russian Federation for individuals in reliable banks.

What deposits in reliable banks of Russia are the most profitable today

Each bank has its own lineup of profitable contributions for individuals with unique conditions.

To somehow bring the "to the common denominator" parameters of deposits in different banksWe tried to find out what the highest interest rates in rubles are offered to the one who intends to open a deposit today in 2020.

For the purity of the experiment, we compared the rates in the largest banks Russia in deposits for a period of 12 months, since it is precisely such a period of investments is the most popular. As estimated amount They took 1 million rubles. And still tried well-called investment or comprehensive suggestions with the obligatory investment of money insurance, mutual diseases or promotions. As a result, the following list was obtained (accurate conditions and interest rates on deposits check in banks).

Self favorable contributions In reliable banks of Russia from the top 10

Credit Bank of Moscow

Contribution "Mega online"

Replenishment / without partial removal / without capitalization / percent at the end of the term

Bank FC Opening

Contribution "Reliable"

Without replenishment / without partial removal / capitalization / interest accrual at the end of the term.

Promsvyazbank

Contribution "My Income"

Without replenishment / without partial removal / without capitalization / interest at the end of the term.

Contribution "Accumulative Account"

Without replenishment / without partial removal / capitalization / percent accrual monthly.

Post-Bank

Contribution "Capital"

Without replenishment / without partial removal / capitalization / percent monthly

Sberbank of Russia

Contribution "Save"

Without replenishment / without partial removal / with capitalization / percent accrual monthly. Banks of Moscow \u003e\u003e

The main types of deposits of individuals

Today, banks of Moscow offer a large number different species Favorable deposits for individuals. But all of them can be divided into several groups:

✓ Urgent deposits under the highest percentages. Opening such a deposit, you give your money for a certain period (3-6 months, 1 year or 3 years), and at this time you can't pick them back without losing interest or replenish the bill.

✓ Refilled deposits of individuals. Opening such a deposit, the depositor can save money, RESETS, and at the same time interest and interest grow. However, it is impossible to remove funds from the account and not to lose.

✓ Deposits S. partial removal funds without percent loss. Such deposits, as a rule, have the lowest interest rates. But it is possible to take part of the funds to a pre-negative abnormal residue, which will be accrued to the amount of interest.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get them, but the missed benefit will be sorry. So, going to make a contribution to the bank, it is better to decide in advance when you take money to not lose your income.

Each person saves money with different goals. However, many people do not understand that the storage of savings of the house - not the best decision. Instead of bringing income to your owner, they only lose their real value Due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only to preserve finance, but also to increase them in accordance with the Treaty.

To date, this product is a universal tool for attachment. Unlike stock market or precious metalsYou do not need special knowledge or permanent analysis of the economic situation. You just find a suitable offer and sign an agreement. At the same time, most organizations do not have any restrictions on minimal contributions, and if they are, then small.

The contract itself is very important, so before its signing you need to familiarize yourself with the text personally. To do this, ask the Bank's employees to give a sample in printed or in electronic format And carefully read all points, especially written in small font and marked with an asterisk. With the help of such tricks, unscrupulous organizations are trying to mislead the potential client and register the conditions unfavorable for it.

Description of important points

Main plus service, in addition stable incomeThis reliability. Consumer accounts protect the state at the legislative level through the program mandatory insurance. Therefore, in the event of liquidation or license revocation you will be made compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limitation and place it in several organizations, eliminating various risks.

The next aspect that we will consider are the types of accounts. The first one is urgent. In this case, you put the funds for a certain time interval. Of course, you are entitled to apply for early withdrawal, however, with a high probability, the Bank will refuse to pay accumulated interest. Wherein this species The deposit is divided into savings and cumulative, which is provided for periodic replenishment (in the people it is called "piggy bank").

The second option - to demand - goes at a low rate. The thing is that organizations are unprofitable to keep finances, knowing that the owner has the right to demand them to return at any time. Such a product prefers the category of customers to whom quite the fact of reliability, and their potential profit is not interested.

Online assistant

On the site you will find relevant products in the market. It contains reliable information that our specialists are checked daily and updated. By comparing the services by their main parameters - and this is the interest rate, the cost of opening and commission, you can make a right decision, and the section of the ratings will help you in choosing an organization. The site is the biggest financial supermarket Runet, successfully functioning more than ten years. All the proposals displayed on this page are the best or profitable exclusively according to experts bank.

IN the largest city Russia - Moscow - the maximum number of banks is presented: according to various data from 450 to 470, including representative offices and branches of regional financial and credit institutions. The options offered by them are the attachments of funds - just a huge amount. If you search in Moscow banks deposits under high interest today, the first 20 banks are not mandatory the largest institutions. They just give profitability just below average, since they have enough capital for investment. But the organization is less actively involved by customers, offering interesting offers and various investment options.

What bank should prefer

Naturally, in the first bank, offering a sufficient percentage, should not go. It should be analyzed by at least several parameters:

• founders and partners - it may well be that "the steering wheel" cost people who are hardly worth trusting;
• the financial condition of the bank - it can be traced on the reports published on the Central Bank website, special attention pay the ratio of assets and liabilities obtained by profit reporting time and size authorized capital (the bigger, the better);
• position in international and national ratings, including "folk" (on banki.ru sites or sravni.ru);
• availability of insurance - if the contributions are insured in the DC, then, when recalling a license, the Bank does not threaten anything to the bank.

Do not look for only favorable deposits In Moscow's banks today - you need to pay attention to and on their features that will help you draw up the right investment strategy:

• deposit period;
• is the early removal and under what conditions is possible;
• the procedure for paying interest;
• availability or lack of capitalization;
• the possibility of replenishment;
• whether the percentage increases with increasing the amount of accumulations, etc.

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

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

• currency - Ruble;
• the minimum amount is 100,000;
• term - at least 1 year.

These parameters helped choose the most high rates According to deposits in the banks of Moscow for today, which are listed in the table (if one bank offers two or more deposit, the most profitable in the rating included).

Top 50 currency deposits in Moscow banks under the maximum percentage

In connection with the decline in the ruble exchange rate, many customers have woke up interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and eurosbut acquire and exotic currencies - pounds, francs, yen, Australian dollars, in lately The popularity of yuan and "Canadian" are gaining popularity. However, the most popular US dollar remains the most popular.

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

It should be noted that some deposits in currency in Moscow banks under maximum percentage The top 50 includes a multicurrency deposit, which will be the corresponding mark, if it is not clear from the deposit name. According to such deposits, invest only in the dollar will not work, it will be necessary to purchase rubles and euros (or other currency due to the contract) in the minimum volume.