A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself. extra work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to put more money into the account, they can count on more high percent and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

As for security today, everything is simple: the system state insurance deposits protects depositors from losing money due to the ruin or liquidation of the bank, and any amount up to 1,400,000 rubles will be returned to its owner. In case you intend to deposit a little a smaller amount, there is nothing to worry about: you just have to choose a program with best conditions on a deposit - and open an account. At the beginning of 2017, a resumption of interest rate cuts is possible, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where is the best place to invest in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not very much - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher by an average of 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its customers ample opportunities for additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". Maximum income possible on the deposit "Favorable". With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles or more, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.

Alfa Bank

On the this moment offers its customers not only loan products, but also a number of deposit programs. Least percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the highest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with a deposit amount of 10 000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly bank 0.05% of the deposit amount to the charity fund for saving sick children " Life Line.

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. Most profitable proposition valid until January 31, 2017 on the "Seasonal" deposit - up to 10% per annum can be received by placing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days, replenishment and partial withdrawal are not provided. Also, under the program "Maximum income" you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, an increased rate is applied - + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its depositors several savings programs. One of them is the contribution Profitable year» opens both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, the minimum amount of the first installment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, the deposit "Capital" is opened for a period of 36 months, but without interest capitalization. For all deposits, except " Cabinet", the minimum amount of the first deposit and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of deposit, issued remotely, with interest rates up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). You can count on such a percentage with a balance of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partial withdrawals up to a minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of them is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. On the “Replenished” term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount to open is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is the best place to keep money?

As you can see, deposits in Moscow banks are offered on different terms. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make credit and debit transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most up-to-date offers of banks for depositors is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

28May

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

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 must conclude an agreement on placing money in rubles or another currency in a bank account.

Submit a contribution for individuals any citizen has the right, 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 relating to interest rates and opening conditions are obtained from the official websites of banking organizations. It can change, be supplemented, this is the prerogative of banks.

Tinkoff bank

1. Minimum deposit- 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 %- on a deposit or, at the request of the client, on a card;
7. Replenishment– regardless of time, via the Internet;
8. Removal in parts- whatever time suits you.

Summary: convenience of opening, the ability to withdraw and replenish the account at any time, quite a 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 deposit- 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 - possibly;
8. Removal in parts– is allowed.

Summary: the bank is certainly 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 deposit- 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 of % - every month;
7. Replenishment - possibly;
8. Removal in parts– possible (Comfortable tab).

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

1. Minimum deposit- 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% (deposit "Investment");
6. Accrual of % - every month;
7. Replenishment - yes, on deposits "Managed", "Cumulative", "Pension income"
8. Removal in parts– yes, on deposits “On Demand” and “Managed”.

Summary: sum down payment available to everyone, there are no restrictions on the terms of the deposit.

1. Minimum deposit- 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 of % - at your choice (every month or capitalization);
7. Replenishment - possibly;
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 deposit- 100 rubles (on 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 of % - at the end of the term;
7. Replenishment - Yes;
8. Partial removal - only on the "Dynamic" deposit.

Summary: a bank participating in the deposit insurance system, there is the possibility of personal counseling.

1. Minimum deposit – 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 deposit – 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 % – 1 time per month (capitalization available);
7. Replenishment - possibly;
8. Partial removal - perhaps on the Free Governance deposit.

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

Alfa Bank

1. Minimum deposit – 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. Partial removal - Yes.

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

1. Minimum deposit – 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, according to the “Always at hand” deposit;
8. Removal in parts – possibly.

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

1. Minimum deposit- 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 deposit – 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 deposit – 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 raises the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also, the percentage will be higher if you payroll client or retired.

1. Minimum deposit – 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 you can also receive% every month.

1. Minimum deposit – 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 % – 1 time per month or at the end of the term;
7. Replenishment - Yes;
8. Removal in parts – no.

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

1. Minimum deposit – 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 deposit – 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 % – daily (if the deposit "On Demand" is opened);
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: you can replenish open deposits and withdraw part of the funds.

Bank "Ugra

1. Minimum deposit – 100 rubles;
2. Minimum placement period – 61 days (according to 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 in parts, initially you can deposit a small amount.

Bank Uralsib

1. Minimum deposit – 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: banking institution offers a wide range of deposits to choose from.

1. Minimum deposit – 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 - permissible;
8. Removal in parts – Yes.

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

Comparative table for all banks

banking institution	Deposit maximum	Fee for opening	Possibility of withdrawal/replenishment
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz Bank	9%	10 000 rubles	Yes Yes
Tinkoff bank	8,8%	50 000 rubles	Yes Yes
8,7%	10 rubles	Yes Yes
8,6%	5000 rubles	Yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	Yes Yes
8,3%	1000 rubles	Yes Yes
8,25%	5000 rubles	Yes Yes
Home credit bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	Yes Yes
Bank opening	8%	50 000 rubles	Yes Yes
7,8%	100 rubles	Yes Yes
VTB 24	7,4%	200 000 rubles	Yes Yes
7,3%	10 000 rubles	Yes Yes
Alfa Bank	7,2%	10 000 rubles	Yes Yes
7,0%	1 ruble	Yes Yes

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

How to compare different deposits

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

The level of income that you receive on a deposit depends primarily 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, opening deposits without visiting a bank office, online or through an ATM, is becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also wrote about this in the article.

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

There is one more criterion for comparison: the size of the minimum and maximum amount contribution. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expenditure transactions. talking plain language, this means that if you withdraw funds partially, this amount must remain in the account.

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

Purposes of deposit placement

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

1. Earn.

Don't be surprised, it's entirely possible. Often, banking organizations hold promotions of a different nature. If 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 terms will apply for mortgage lending. Imagine, there are not so few who want to.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose almost any type of contribution - all of them will 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 safe from thieves.

4. Save up for a big purchase.

We all know that there are people who do not 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 there is none.

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

And now let's talk in more detail about what deposits generally exist and how they are classified.

What are the contributions

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

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

Savings.

It is worth noting that the most high stakes exactly for this group. In addition, such deposits are not always allowed to withdraw money, as well as deposit funds into the account.

Estimated.

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

Cumulative.

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

Special.

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

By seasons.

Dedicated to some time of the year. They often have quite high rates, but there is no rollover option.

Mortgage.

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

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

indexed.

This deposit belongs to the term term category and is tied to a change in the value of an asset. The asset can be the dollar exchange rate, securities, precious metals and more.

Multicurrency.

The meaning of such a deposit is that the funds are stored in various currencies: most often these 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 conversion. Commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.

Baby.

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

Numbered.

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

How to choose a bank to place a deposit

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

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

1. Don't ignore other people's feedback. Familiarize yourself with them, it will definitely not be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
2. Examine the information in the media for publications about the bank in a negative way.
3. When visiting a bank, check 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 selection criterion is the bank's participation in the state deposit insurance system. This information is freely available on the Internet, it will not be a problem 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. Here the only negative is that it is difficult for an ordinary person to understand it, the help of a specialist is required.
8. An important indicator is the amount.
9. You can ask about the ratings of the bank, they are published by special agencies. Of course, it is difficult to keep track of them, but it is quite possible to use as additional information.
10. An indirect sign that the bank is not doing well is frequent failures in the implementation of various operations.

Mistakes we make when choosing a bank

Not always potential contributor can adequately assess the reliability of the selected banking organization.

Mistakes, by the way, are allowed the most banal:

1. Choosing the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If this is your only goal, you'd better use another 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 must be confirmed by something. Stable and reliable institutions provide clients with all publicly available information.
3. Opening a deposit in a servicing banking organization. Often, depositors trust their funds to the bank where they receive a salary or other types of permanent payments. This is convenient, but you do not need to carry all the money to one institution, it is better to distribute it over several.
4. Following untested recommendations. The experience of your friends and relatives is important, but you should not blindly follow it. They are based most often on the opinion of a particular person, and not on the actual state of affairs.

Summing up a little, 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 return his money, 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 deposits in several banks and all these credit organizations went bankrupt, you will receive 1,400,000 from each.

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

Reasons for refusal to open a deposit

A banking organization, without voicing a reason, may refuse to open a deposit to a client.

This happens infrequently, and the reasons may be of the following nature:

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

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

personal income tax and deposits of individuals

Most of the deposit programs do not require payment. The tax will be charged only if the level of income exceeds the established by law. But this year, banking organizations have lowered deposit rates due to the fact that insurance rates have risen. Which means high level profitability is not to be expected.

You may ask: do you have 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 within 3 years you have not been notified about this, 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 a banking organization. Before you trust your hard-earned money to the bank, try calculating the interest yourself. It may seem complicated to you, but we will try to explain how to do it in the simplest possible way.

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

They will not show real results, because:

1. Their functionality is meager, 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 consultants, they will clarify all the necessary points.

And now let's go directly to the terminology and calculations.

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

Under the concept of% on the deposit understand the amount that the bank pays to its client for the use of his money.

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

If we're talking about easy way accrual%, then they are not added to the deposit amount, but are transferred to the depositor's open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has grown, 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 - deposit rate for the year;
• t - number of days for which % will be calculated;
• K - number of days per year (do not forget about leap years).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. Calculation of % is simple. After the end of the deposit period, O.'s income will be: (200,000 * 9.5 * 365 / 365) / 100 \u003d 19,000 rubles.

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

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

• S - accrued%;
• P - the amount you deposited;
• I - % 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 expiration of the deposit period, O.'s income will be: (200,000 * 9.5 * 180 / 365) / 100 \u003d 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

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

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

What are the risks for investors

This is an important question that cannot be left unanswered. After all, everyone knows very well that any medal 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 has been declared bankrupt;
• Payment of personal income tax;
• Increase in rates for deposits opened for a long time;
• Liquidity risk;
• Reinvestment risks.

And now a little more.

The bank has been 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.

Payment of VAT.

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 a year later the rate has become 12%, you lose 3% of income.

Liquidity.

Such a risk arises if you terminate the term deposit agreement ahead of time. 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 plan to reinvest these funds. But after 6 months, the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Deposit Fraud

Recently, revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people turned 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 by banks.

What is the point of this scam? It turned out that banking organizations stole money from the accounts of their depositors. Double bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

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

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

Proceed according to this algorithm:

• Contact banking organization with a statement about insurance compensation by attaching the documents that you have in your hands;
• The application from the bank is submitted to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, the register of payments will be amended;
• As a result, your money in in full You'll get.

Of course, this procedure will make you spend 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 suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

When a person has free cash, a fair question arises: where to invest it in order to receive income? The easiest and safest way to receive income from the point of view of state protection of risks is deposits. We offer you to get acquainted with the ratings of banks, which 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 were used credit institutions countries to exclude proposals from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits are fixed-term deposits that do not have additional features– replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. top ten with the best deals looks like that:

Deposits with additional features

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

Replenished deposits

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

1. RosEvro Bank - 8.5%. The banking product bears the corresponding name "Top up". It is possible to open an account for a period of 91 to 1095 days in the 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 validity of the contract.
2. Tinkoff - 8.5%. The bank has two rates - 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 contract. The minimum deposit amount is 50 thousand rubles. The size additional contributions not limited.
3. TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The deposit product "Super-long-term" is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest is paid every 400 days.
4. Oriental Express Bank - 8.3%. Thanks to the Savings Book deposit, a bank client can receive a 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 specified amount when they are placed 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%. A 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 executed for 91 days with automatic prolongation 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 accruals are capitalized or transferred to the client's account. Replenishment of the account is possible in the first 183 days.
10. Moscow Credit Bank – 7,75%. Registration with the offered rate is possible only through the online application. The initial amount of the deposit must be at least 1 thousand rubles. The tariff provides for monthly interest capitalization. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

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 amount 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 and 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 is paid every 184 days.
3. National Bank Trust - 8.25%. According to the All Inclusive tariff, you can not only replenish your account, but also partially withdraw money, subject to maintaining the 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 minimum size contribution - 1 million rubles. The term of the contract can be from 3 to 24 months. A 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 product "Universal Online" is available only through an application on the Internet. 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 indicated in the deposit agreement.
6. Oriental Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the down payment - from 100 thousand rubles. Terms of registration - 181 and 731 days. After a partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank - 8%. Absolut Bank offers special program for people 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 deposit amount is maintained.
8. Ugra - 7.89%. The 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 the deposit account, as well as to withdraw part of the money, saving the minimum balance. In addition to this program, Ugra Bank also offers Managed Interest, where the minimum initial deposit is 100 thousand rubles, and the duration of the funds placement is 720 days. Replenishment is possible during the first year, and withdrawals - 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, while maintaining the established initial limit. An 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 replenish in the amount of no more than 20 thousand rubles. With partial withdrawal Money the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the interest-bearing deposit 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, a client can even receive a premium to the declared rate.

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

Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating: foreign exchange market, investments in cryptocurrencies, investing in shares of companies and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.

The best interest on deposits in banks

Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.

"My income" (Promsvyazbank)

Conditions:

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

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of schedule, preferential terms will make the process fast and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

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

According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

• currency - rubles, dollars euro;
• the minimum amount is 30,000 rubles; $5,000; 5000 euros;
• terms and interest when opening a ruble deposit in the office for up to 1 year:
  • upon termination within 31–90 days - 6.6 / 7.6% (Halva card);
  • upon termination within 91–180 days - 7.0/8.0% (Halva card);
  • upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);
  • upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).
• terms and interest when opening a ruble deposit in the office for up to 3 years:
  • upon termination up to 90 days - 6.8 / 7.8% (Halva card);
  • upon termination up to 180 days - 7.2 / 8.2% (Halva card);
  • upon termination up to 365 days - 6.8 / 7.8% (Halva card);
  • upon termination up to 730 days - 6.0 / 7.0,% (Halva card);
  • upon termination up to 1095 days - 6.0/7.0% (halva card).
• terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
  • upon termination within 31–90 days - 6.6%;
  • upon termination within 91–180 days - 7.0%;
  • upon termination within 181-270 days - 6.6%;
  • upon termination within 271-365 days - 6.6%.
• terms and interest when opening foreign currency deposits:
  • in US dollars for 271–365 days - 1.55%;
  • in US dollars for 1095 days - 3.00%;
  • in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. Minimum amounts replenishment - 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

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

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate goes up if you own pension card this bank.

"Maximum Interest" (Binbank)

Conditions:

• currency - rubles, dollars, euros;
• deposit term - from 3 months to 2 years;
• the minimum amount is 10,000 rubles; $300; 300 euros;
• terms and interest for ruble deposits:
  • when opening at a bank branch - 6.10-7.30%;
  • for individuals (pensioners) - 6.25-7.45%;
  • when opening via the Internet - 6.30-7.50%.
• terms and interest for deposits in US dollars:
  • when opening at a bank branch - 0.55-1.65%;
  • for individuals (pensioners) - 0.55-1.65%;
  • when opening via the Internet - 0.55-1.65%.
• terms and interest for deposits in euros:
  • when opening at a bank branch - 0.01%;
  • for individuals (pensioners) - 0.01%;
  • when opening via the Internet - 0.01%.

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

"Profitable" (Rosselkhozbank)

Conditions:

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

One of the most comfortable conditions. An individual can receive interest even from small deposits on short term. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

Profitable (VTB 24)

Conditions:

• currency - rubles;
• minimum amount:
  • when opening an online deposit - 30,000 rubles;
  • when opening a deposit in a bank branch - 100,000 rubles.
• terms and interest when opening a deposit in a bank branch:
  • 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 deposit 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 months - 3.10/3.25%.

This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

Pobeda+ (Alfa-Bank)

Conditions:

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

You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

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

The long term includes separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

• currency - rubles, dollars;
• the minimum amount is 1000 rubles; $100;
• terms - 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 ruble deposits 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 ruble deposits 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 ruble deposits when opening at a 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 ruble deposits when opening at a 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 ruble deposits when opening at a 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 ruble deposits when opening at a 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 ruble deposits when opening at a 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):
  • 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 $3,000):
  • 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%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
  • 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%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
  • 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%.
• 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 at a bank branch (from $3,000):
  • 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 at a bank branch (from $10,000):
  • 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 at a bank branch (from $20,000):
  • 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 at a bank branch (from $100):
  • 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%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, where

• N - the initial amount of the contribution;
• P is the interest rate;
• d - calendar days after which new interest is charged (usually 30 or 31 days);
• D - 365 or 366 days a year, depending on the current year;
• n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks are trying to play to receive maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His action plan is based on getting the maximum benefit from clients who want the same - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.

Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening national currency banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

Third mistake. The terms of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.

Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest on deposits? The website agency experts analyzed the proposals of the country's largest banks, compiling an overview of deposits in rubles with favorable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest in order to receive passive income. You can buy a currency and wait for it to rise in price, you can earn money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Bank deposits individuals still remain the most reliable and traditional way of investing savings in Russia today.

Choosing the most profitable deposit: what to look for

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

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

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts of the agency website tried to do this by examining the conditions for deposits in Russian rubles for individuals in reliable banks.

What deposits in reliable Russian banks are the most profitable today

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of deposits in different banks “to a common denominator”, we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared the rates in largest banks Russia on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).

The most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FK Otkritie

Deposit "Reliable"

Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.

Promsvyazbank

Deposit "My income"

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Savings account deposit

Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.

Post-bank

Deposit "Capital"

Without replenishment / Without partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

Contribution "Save"

Interest rate

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

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

✓ term deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish your account.

✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw funds from the account and not lose profitability.

✓ deposits with partial withdrawal funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.