Reliable banks with high interest on deposits Glad to see you again! The other day King's new book came out, so I, as an avid reader, went to the store for a novelty.

Already when I approached the checkout, it turned out that the device did not want to punch through the coloring pages of one married couple.

While I was waiting for my turn to come, I witnessed the conversation of this couple.

The man intended to invest in a bank, but could not choose which one.

My wife could not advise anything decent, so I could not resist and got into the conversation.

Perhaps everyone who is thinking about investing money is looking for a deposit at a high percentage. It is the interest rate on the deposit that is the first criterion by which deposits are compared with each other. However, such a comparison would be incomplete.

It is also important to take into account such a factor as risk. As you know, the State Deposit Insurance System guarantees each depositor of a bank participating in this system the safety of savings in the amount of up to 1,400,000 rubles. However, here is what a potential contributor needs to remember.

Warning!

Most reliable bank- this bank is not only large, but also the least risky. Lending institutions with the participation of the state are the least inclined to risk - and our people are used to trusting the state somewhat more than private business.

No wonder that it is the banks with state participation that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.

Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.

Private banks from the Top 50 are the choice of people who, more trusting in private capital, prefer a high return on deposits. The fact is that these banks vigorously issue loans under not the most small percentage, due to which they can attract deposits at a high percentage (higher than competitors with state participation).

Among the most popular banks in this group, one can mention Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of Russian banks). Now let's look at what the banks mentioned above offer their depositors by the beginning of the new year, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank currently offers the following deposits:

• 8 time deposits in rubles, dollars or euros (from 2.3% on " Savings account» up to 6.49% on the «Save» deposit in rubles);
• for wealthy clients who prefer other currencies - the "International" deposit (in British pounds, Swiss francs and Japanese yen- at 0.01% per annum);
• 3 deposits for owners of service packages "Sberbank First" and "Sberbank Premier" - "Special save", "Special replenish" and "Special manage" with higher rates– up to 7.36% in rubles, 1.66% in US dollars and 0.30% in euros.
• 3 online deposits in rubles, dollars or euros (rates are higher than for term deposits, on average by 0.1%);
• 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.

It is possible to choose replenishable and non-replenishable deposits, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “on the shoulder” for any person.

VTB 24

This bank offers 10 deposits on various terms (we can say that they are about the same for VTB 24 as for Sberbank):

1. 3 deposits opened in bank branches - Comfortable, Accumulative and Favorable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3. 3 deposits on special terms for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
4. 1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.

Gazprombank

This bank has a total of 7 deposits: 1 investment, including investments in mutual funds (up to 9.70%), 5 savings deposits for various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).

There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).

Attention!

The remaining deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

Interest rates here are noticeably higher compared to the banks described above, but the placement conditions are somewhat tougher (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new "Seasonal" deposit, which can be opened until January 31, 2017 for 400 days, assumes 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.

The bank also offers 3 basic term deposits: Maximum income”, “Maximum Growth”, “Maximum Comfort” with rates up to 8.46% on ruble accounts, up to 1.61% on dollar accounts and 0.01% on euro accounts. 3 programs have been developed for pensioners (up to 8.46% in rubles), there is also a savings ruble account (up to 5%) and Special offers for privileged clients.

We can say that deposits in this bank are beneficial primarily to a client with a large amount or who wants flexibility in replenishing / withdrawing funds. When opening deposits via the Internet or an ATM, 0.3% is added to ruble rates and 0.1% to foreign exchange rates.

Russian standard

This bank offers 4 deposits with the most different schemes interest payments: the depositor has plenty to choose from. Rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% on dollar accounts and up to 1.25% on accounts in Euro.

Advice!

Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is a logical "fee" for a depositor for a high income.

Home Credit

Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles(up to 9.34% per annum).

Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles/dollars/euro, including multicurrency. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and deposits/withdrawals.

MTS Bank

The best deposits in banks in 2017: conditions and interest rates The former IBRD offers 9 deposits in rubles/dollars/euro, including multi-currency and pension. Rates in rubles from this bank lie in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.

Additional 0.30% to the base rate can be received by clients opening a deposit in the Internet bank, as well as payroll clients, up to 0.40% to the rate - with a deposit amount of 4 million rubles.

Thus, it is most profitable to put money on deposit in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. High-interest deposits in Moscow are issued, as a rule, by banks specializing in consumer lending(Russian Standard, Tinkoff, Home Credit).

But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

source: http://www.vkladvbanke.ru

The question of preservation and augmentation Money always relevant. One of the most reasonable and safest options is to open a bank deposit.

Warning!

Which bank and deposit to choose for maximum profitable investment funds in 2017? What criteria, besides the interest rate, are important?

We offer an up-to-date overview of the best conditions for deposits in Russian banks.

What deposit is better to open?

To begin with, let's try to conduct a small educational program in order to figure out what the level of interest rates in banks depends on. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:

• Rising inflation and devaluation of the ruble.
• Decline in the growth rate of household deposits.
• Competition between banks for depositors.
• Change of the key rate by the Central Bank of the Russian Federation
• outflow foreign investment and the blockade of the debt market, that is, the lack of liquidity and funding (raising funds from organizations).
• Changes in legislation (until December 31, 2015, there was a benefit: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount insurance compensation on deposits from 700,000 rubles. up to 1,400,000 rubles).

Reference Information

The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take their funds for storage.

Attention!

It is the main indicator of monetary policy. Directly affects the level of interest rates on deposits. Since August 3, 2015, it has been equal to 11% and remains unchanged until December 11, 2015. This is the fifth reduction of the key rate since December 16, 2014, when it was set at 17%.

Some confusion is introduced by the concept of the “refinancing rate”, which is also used when lending to private financial institutions, but since the introduction of the key rate, that is, from September 13, 2013, it has been of a secondary and reference nature, and since January 1, 2016 it has been equated to key rate, as stated in the document "On the system of interest rate instruments of the monetary policy of the Bank of Russia".

In addition to the above, it should be noted such a monitoring tool of the Central Bank of the Russian Federation as “The maximum interest rate of ten credit institutions that attract the largest volume of deposits individuals”, which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.

To date, the Bank of Russia forms the "big ten" of the following banks:

1. Sberbank of Russia;
2. "VTB 24";
3. "Bank of Moscow";
4. "Raiffeisenbank";
5. "Gazprombank";
6. "Binbank";
7. "Alfa Bank";
8. "Bank FC Otkritie";
9. "Promsvyazbank";
10. Rosselkhozbank.

This monitoring is carried out by the Department banking supervision Bank of Russia using open information presented on the official websites.

In the third ten days of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions that attract the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.

Advice!

In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.

What else is useful to know about the average maximum bet? From October 2012, the Central Bank of the Russian Federation categorically did not recommend that all private banks exceed the indicator established during the monitoring by more than 2 percentage points (percent), from December 22, 2014 - by 3.5%, from July 1, 2015 allowed any an increase in exchange for an increase in the contributions (deductions) of credit institutions to the Deposit Insurance Fund (DIF).

Banks' fees for increased risk are set as follows:

• if the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
• if the interest rate on the deposit does not exceed the maximum rate by 2–3%, the credit institution is charged a fee at an additional rate of 0.12%;
• if the bank raises the level credit rate by 3% or more of the average maximum, then he pays an increased additional rate - 0.25%.

What conclusion should ordinary savers draw from this information? If the level of profitability of the deposit, according to the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore private bank and pays contributions to the DIA at an increased rate.

For ease of understanding, here is an example from the previous methodology of the Bank of Russia:

• The current average maximum deposit rate is 9.93%.
• The maximum recommended excess of the rate level is 3.5%.
• The maximum acceptable (with a maximum level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.

So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can either deal with an unstable credit institution or one that conducts risky operations.

In fairness, we note that at the moment all deposits in one bank in the amount of up to 1,400,000 rubles are “protected” by the Deposit Insurance Agency (DIA), so the banking system takes on the risk to a greater extent than depositors.

But there's little comfort in the thought that you might run into a bank that has had its license revoked or filed for bankruptcy. In annual terms, inflation in 2015 is at the level of 16%, however, there are all prerequisites for its significant slowdown in 2016–2017.

Looking at the dynamics of the decline in the key and average maximum deposit rates, we can assume that, unless something extraordinary happens, the key rate will continue to decline, and interest rates on deposits will decrease along with it.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.

In winter, the market is livened up with special seasonal products. Despite the fact that the number of interesting deposit offers is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find best contribution in rubles or in foreign currency, then this review will help you.

Ruble or currency deposit?

The incomes and consumption of the vast majority of Russians are oriented toward rubles. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, the rates on ruble deposits may rise, and it is advisable not to miss such a moment.

Warning!

Despite the fact that Russians traditionally consider the currency a more stable option for saving money, in the current unpredictable situation, it is quite dangerous to choose it, since this moment the euro and dollar rates are extremely high and the ruble has more or less stabilized.

If in the short term there is a significant strengthening of the ruble (which is possible with the easing of sanctions or an increase in oil prices), then the foreign currency deposit will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.

If you are not one of these people, then a deposit in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the vast majority of Russians are focused on rubles, which means that they need to be saved.

Term deposit or demand deposit?

All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the depositor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (the profit from such a deposit will not even cover monthly inflation).

Term deposits are placed for a certain period, until the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. Term deposit more often placed for a year, less often - for several months.

The deposits with the longest holding period are sometimes given the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.

Replenishable or non-replenishable deposit?

Contributions are classified depending on the degree of control of the depositor over the invested funds. When opening a non-replenishable deposit, any replenishment or withdrawal operations are prohibited - for them, banks offer the most favorable conditions for placing funds.

Replenished deposits allow you to deposit money into the account during the term of the contract, which is convenient for the systematic accumulation of a large amount of money. Some banks offer reloadable deposits that allow the customer to make spending and credit operations. As already said, Better conditions provided on non-replenished deposits.

The best deposits in rubles

At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is on the decline. Recall that in December 2016 the Bank of Russia sharply increased key rate up to 17%, thereby causing an increase in deposit rates up to 21-22%.

Throughout the year, the indicator was decreasing: already in June 2016, the average rate on ruble deposits was 14–15%. Now the maximum yield is at the level of 12-13%.

Experts' forecasts are very ambiguous: most expect further reductions, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the contract.

Moscow Credit Bank provides deposits with a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa- Bank" - up to 10%, "Raiffeisenbank" - up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is ready to offer.

The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.

The best deposits in euro

The situation with foreign currency deposits is approximately the same as with ruble deposits. Average rate on deposits in euros is about 2.5-3%.

Attention!

Leading banks with high interest rates currency deposits, again, not encouraging: average annual percentage is about 1.5–2.5%. For example, the euro deposit option can be found at UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. In Bank Saint-Petersburg, you can count on a rate of 2.8% when opening an on-line deposit for a period of 5 years in the amount of 50,000 euros. Interest is paid at the end of the term of the deposit.

"Moscow Credit Bank" offers a deposit of 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.

The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive conditions for deposits.

In the current economic situation, of course, it is more appropriate to focus primarily on the reliability of the bank. It will also help you heal. banking sector: inefficient banks will be automatically forced out of the market. However, one should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite solid ones, having branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.

Best dollar deposits

The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions are offered for deposits. In "UniCredit Bank" you can place a deposit from 20,000 USD.

Advice!

USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of Binbank: by placing an amount of 25,000 US dollars or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).

The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with such a percentage if he has 50,000 US dollars and 915 days before receiving income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8-3.5%.

source: http://www.kp.ru

How to choose a reliable bank for opening a deposit?

I think many of you are asking yourself the question: “How to choose a reliable bank” when planning to open a bank account, get a loan or a mortgage.

Interest in this topic is explained simply: firstly, this is another small step towards mastering the basics financial literacy. Remember, we talked about this in the article “Savings and financial literacy need to be learned”?

Secondly, this is the first small step towards the practical application of the acquired knowledge, to which I was pushed by a far from new and not at all original idea: “money should work”.

Warning!

And how to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?

I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with the type of investment, which, in fact, is not an investment, but rather a way of accumulating funds - bank deposits.

How to choose a bank for a deposit

Why did I decide to start with this ancient and popular product? Because in our Everyday life we most often encounter banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We do not experience stress, giving our money to the bank. And we are not afraid to lose our money, because, you see, the risk here is minimal.

And it does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, PAMM-accounts, investments on stock market, in works of art, antiques, precious metals.

But we do not always know how efficiently our money can work in different banks. Different deposits under different conditions and in different banks can bring completely different income.

Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what percentage.

There are many questions, let's go in order

The economic situation in our country now can hardly be called stable. The slowdown in the growth of our economy, which began in 2013, was exacerbated by recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.

And yet, we still, and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.

To hoard or not to hoard?

The accumulation of money in itself, as a process, I think for the majority is a boring and monotonous activity. You have to be a real Plyushkin to save money for the sake of money.

But if the implementation of the long-desired looms ahead, it’s a completely different matter.

Attention!

What do you specifically want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? It really motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.

Goals will be achieved if they are set clearly and specifically. Believe it or not, this has happened to me more than once.

Bank deposits (deposits)

So the goals are set. And we are back to our deposits. To make it clearer, let's start with the terms.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and under certain conditions of the agreement in order to save them and generate income.

These are client funds that are subject to mandatory return upon expiration of the contract or at the first request of the client. But at the time of placement on deposit, the bank manages them.

This is a very popular banking product that appeared almost at the same time as banking system. Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.

What are the contributions?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pluses or minuses.

But basically, deposits are divided into three main groups depending on:

1. from the term of the deposit - deposits "on demand" and term deposits
2. from the possibility of replenishment - replenished and non-replenished
3. on the type of deposit currency - deposits in rubles, foreign currency or multi-currency deposits.

From the period of placement of money in the bank.

What is the difference between term deposits and demand deposits? Interest is paid on time deposits that are placed for a certain period (from 1 month to several years).

If the client withdraws his money before the end of the period stipulated by the agreement, the bank can return only the initial deposit amount in full, while interest on the deposit can be partially accrued.

Some banks at early termination agreements can return fully accrued interest, but usually low interest rates on such deposits.

Advice!

On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and interest rates on them are much lower than on time deposits.

Replenishable and non-replenishable deposits

Everything is clear here. If the deposit is replenishable, then this means that additional amounts can be deposited into the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is non-replenishable, the initial deposit amount cannot be increased, and interest will be charged only on it.

In what currency to open a deposit?

In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.

Peculiarity multicurrency deposits: one account can be placed in different currencies several amounts, each of which will accrue its own interest.

It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.

How to choose the most profitable deposit?

What do you usually pay attention to when choosing a deposit? Of course, on interest rates (equivalent to monetary reward, which the client receives for having provided the bank with his funds for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (the annual interest rate is always indicated in banks), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenishable or not, on its type (urgent or “on demand” ), from capitalization and some other factors, which we will talk about later.

Warning!

Let's say right away that high interest on deposits is not always a sign of a good bank.

Usually, after the conclusion of the agreement, the bank cannot unilaterally change the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).

How are interest rates calculated on deposits?

1. The first option: at the end of the deposit term, interest is charged on the initial amount.
2. The second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, interest is transferred to a plastic card or other account.
3. The third option: capitalization of interest on the deposit.

This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be accrued on a larger amount.

This method of paying interest is sometimes called " compound interest” and can be done once a month, once a quarter, once a year or in connection with the expiration of the contract.

Attention!

As already noted, deposits with capitalization usually have more low interest, but the income may be higher.

And a few more concepts that you need to understand when referring to bank deposits.

Prolongation of the deposit is an automatic extension of the deposit agreement after its expiration and placement of the deposit for a new period without the participation of the client.

If no rollover is provided, the funds (principal plus accrued interest) will be transferred to the customer's account and no interest will accrue from that moment on.

In order to resume their accrual, you need to come to the bank and open a new account. True, it must be borne in mind that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.

To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.

Profitable deposits in 2017

So, we found out what deposits are, how interest is calculated and what are the conditions for various deposits. We also figured out that the interest rate, which ranges mainly from 3 to 10 percent, depends on many factors.

Bank rating

The goal you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is more satisfied low rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, short term investment, reliability.

Often you can find good offers in banks for pensioners with a higher interest rate. There are good special offers or seasonal promotions that banks arrange for some occasion for a short time.

Advice!

For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenished deposit with a monthly capitalization, albeit with a lower interest rate.

But in general, this way of investing, which includes bank deposits, today is not the most profitable option. The size of the rates compared to what it was a couple of years, is significantly reduced. And to find, for example, a contribution at 10% per annum, you need to try very hard.

Moreover, you need to understand that there is such a rule: the more the bank offers deposit opportunities (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to look for information about banks?

There are a lot of banks that offer us their services in our country. And sometimes the search suitable bank may extend over a long period of time. I hope these simple tips will help you navigate this issue.

One way to somehow navigate the choice of a bank is to look at its ratings. Russian banks are rated mainly by such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which Expert RA is considered the best.

Large international agencies (Fitch, Moody's and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.

You can also draw certain conclusions by reading the bank's credit statements, which are published on the website of the Central Bank or on the website of the Bank of Russia. But to understand these reports, perhaps, only a specialist can do it. We, ordinary clients, can try our luck on the Banki.ru portal, where information is already presented in a more accessible form, which even a non-professional can understand.

Warning!

The reliability of a bank is determined by its financial performance. For analysis, we compare current assets bank with indicators that were a year ago and for the past and current month.

A sign of the bank's reliability and stability is its large assets at the moment and their increase compared to previous periods. Also testifies to the reliability of the bank, the amount of its own funds(authorized capital).

According to the information agency "Finmarket", as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, Binbank , Bank Vozrozhdenie, KB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, Ministry of Finance, Moscow credit bank, Nomos-Bank, Nordea Bank, Petrocommerce, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB Rossiya, Sberbank RF, Svyaz-bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HKF-bank , UniCredit Bank.

The need to assess the reliability of the bank based on an analysis of reporting, paying attention to criteria such as deterioration or violation of mandatory banking organization standards (which may lead to the revocation of the license), for outstanding own payments and difficulties encountered in repaying own debts, for large cash flows that significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares ( this may be a signal that the bank will have big problems in the near future), any sharp declines in balance sheets without reasonable explanation.

Such information can be found in the reporting on the website of the Central Bank, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which will at least partially help reduce the level of risks.

2. For the size of the bank. to major federal and regional banks almost 100 percent applicable expression: "Too big to fail." Information about their assets, which testify to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.

3. On the bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.

4. For falling ratings which may be downgraded by rating agencies. The fact that credit institutions have no rating is also alarming (which may serve as evidence of the bank's reluctance to provide information to rating agencies, trying to hide something negative).

5. At high deposit rates. Inflated rates, which are significantly higher than the average level, or their sharp increase may be evidence that the bank does not have enough own funds. And, trying to attract more customers through more profitable, at first glance, offers, credit institution trying to pay off his debts. This may indicate an increased risk.

How do you know if it's overpriced or not? In this case, you can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit organizations, which attract the largest amount of deposits of individuals published by the Central Bank. In March, the maximum rate on deposits was 8.35%.

6. To change the work schedule. Reducing the bank's working hours (reducing the number of working days and the period of work during the day), reducing staff - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems that have arisen when conducting monetary transactions (for example, delays in cash withdrawals, closing deposits, quality of service), as well as massive closure bank customer accounts. You can find out about this from the reviews on various forums.

Deposit insurance - additional security measures

What will happen to our deposit if, nevertheless, we made a mistake and our bank went bankrupt or its license was taken away?

This question worries all investors. In the case of bank deposits, you should not be afraid for your savings, if they do not exceed the amount of 700,000 rubles.

Since October 1, 2008, a system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for customers. If such a nuisance happens and your bank is closed, within 14 days after the occurrence insured event your deposit will be refunded.

Deposit insurance system

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This point deserves special attention.

That is, if you have several accounts opened in one bank for a total amount of, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more expedient to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.

For example, by depositing 500,000 rubles in two banks, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.

But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.

A government bill to increase deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).

So how do you choose a reliable bank?

Before entrusting your money to one or another bank, be sure to check that the bank belongs to Russian system deposit insurance. This is easy to do: you can now find information on any bank on the Internet.

Warning!

To get started, select all the banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.

From this list, choose the deposits with the highest interest, having previously made comparative analysis by profitability in different banks. The more you study offers on deposits and deposits, the more chances you have to find the best option.

Find out if the bank provides fees and commissions for any Additional services(for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of early termination of the contract.

Read the contract carefully! The optimal solution, in my opinion: the reliability of the bank and a relatively high percentage. But at the same time, one should not forget that sometimes for excessive high stake the big problems of the bank are hidden, which he is trying to solve at our expense.

A thoughtful approach, careful analysis and deliberation in making a decision will make it possible to right choice. But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.

Which banks offer New Year's deposits with high interest? How to compare and choose the best profitable deposits in banks? Which bank is the most reliable for deposits for a year?

Good afternoon, dear readers of the HeatherBober online magazine! Today we will talk about banking investments.

I, Viktor Golikov, will reveal the secrets of choosing a bank for investment and other nuances with you.

It's no secret that banks don't have friends. There are only business partners! But the fact is that banks do not decide who is who. For the existence of a financial institution, depositors and creditors are necessary. Attracting both is bread for the bank! So who will sow and who will reap the harvest?

In which bank is it best to open a deposit - an institution with the participation foreign capital or state Russian bank With investment funds? Who guarantees the return of the insured deposit and where it is more reliable to place your investments in order to sleep peacefully, we will find out right now.

1. What is a bank deposit?

You decide to allocate a certain amount of money in order to receive from it, albeit a small but stable profit - passive income.

The first option is to lend to acquaintances or relatives to promote the business with the hope that they will succeed, and you will receive some percentage of the business.

Or maybe it is better to make a deposit in the bank, risking almost nothing? Periodically extending the contract or drawing up a new one, become a contributor and live on interest, like the townspeople at the beginning of the 20th century?

For bankers, every depositor is Plushkin. For a depositor, any bank is Chichikov.

Placement of funds in banking structures for the purpose of making a profit in the form of interest is considered by the state as a private enterprise! - a legally regulated type of income from which investors pay tax.

When making a contribution, focus on your own goals. What are you pursuing by investing finances in a bank?

The main motives for investments:

• accumulation of funds;
• capital preservation;
• credit investments (a loan secured by a deposit);
• investments (income from exchange rates).

Banks need depositors, so more and more new deposit systems are constantly being invented. Programs are often repeated, and choosing from a dozen existing options in practice means choosing from two or three.

Remember that the bank will never make an offer to its detriment, and invest money based on this principle.

2. What to look for when choosing a deposit program - 5 main points

Bank deposits although protected by law, the contracts are signed by the depositors themselves. Appeal to the bank asking why you received such an income is reasonable, but almost meaningless.

Carefully study the conditions of the deposit. The program often includes additional conditions or variable values ​​for the calculation of interest.

These conditions are:

• floating interest rate;
• accrual interval (daily, weekly, monthly, once);
• preferential terms on ongoing promotions.

From time to time, banks offer their depositors a variety of promotions. The most common are New Year's, which involve an increased interest rate. On such deposits, pay attention to changes in the prolongation of the contract, if it is provided.

Moment 1. Placement amount

Place an amount in one bank for no more than 1.4 million rubles. The Deposit Insurance Agency will reimburse, in which case, funds not exceeding this threshold. Moreover, having several deposits in one bank, you can receive on all deposits (including interest) only the amount not exceeding the specified limit.

Therefore, if you are impressed by some kind of deposit, and you have an amount greater than 1.4 million rubles, it makes sense to look for a similar deposit in another bank and distribute the investment amount. It is also advisable to distribute deposits in the case when deposits are made for different periods.

Moment 2. Deposit term

Opening a deposit is always associated with thinking about the period of investment. This moment has to be considered as the main provision of the contract. Financial institutions are guided mainly by the term of the deposit. The remuneration rate is not static and has its own amplitude.

Deposits from fixed rate are made on limited time and the prolongation of such investments depends on fluctuations in the economic situation. Long-term deposits are usually linked to the rate state bank and are directly dependent on the exchange rate.

Uncle lived the most honest rules

and couldn't think of a better one

how to leave a term deposit in a bank.

His hereditary he called.

Yes, there are also accumulative, hereditary, children's, and pension deposits. Consider them based on the purpose of the deposit, take into account all the details of the contract and the promised percentage of remuneration.

These are the most vulnerable deposits, because no one can foresee the economic situation. And guessing on coffee grounds in an unstable environment is a completely thankless task.

Moment 3. Possibility of partial withdrawal of funds

Closed programs with an effective fixed rate, a minimum investment amount and a certain period attract the attention of investors with their increased interest. It is impossible to replenish such deposits, but it is allowed to withdraw the accumulated interest.

In fact, it is almost dead money. If necessary, before the expiration of the contract, you will close the deposit with a penalty or without interest. If you have withdrawn interest before, it will be deducted from the deposit amount.

Programs with an irreducible threshold are also widespread. That is, some part of the deposit is frozen on the account, which cannot be used until the end of the contract. Usually this amount is 10% of the minimum deposit.

Moment 4. Capitalization of the deposit

Pay attention to the frequency of capitalization. The more often it is done, the higher the interest on the deposit program will be.

The general meaning of capitalization is the accrual of interest on the interest already accrued.

Suppose you made a deposit of 10,000 rubles. In a month, interest on income is accrued to you and the amount in the account is already 10,100 rubles. So, with capitalization for the second month, interest will be accrued already on 10,100 rubles. The next month, the amount will be added to the already added interest, and so on, until the term of the deposit expires.

Moment 5. Opportunity to replenish the deposit

The ability to replenish the amount of the deposit is another positive point. You are getting mobile bank at your disposal.

Very often, such deposits are used as checking accounts.

Use cases:

• utility bills;
• Internet payments;
• social services;
• wages for hire.

By choosing deposits from which it is easy to withdraw and replenish the account balance, you will receive a lower interest rate, but you will manage the money on the deposit at your own discretion.

3. How to choose a reliable bank for a deposit - 6 simple tips

You have to choose from large banks offering stable guaranteed deposits with low interest rates.

Or are you willing to take the risk? Medium and small banks, in order to attract customers, and, accordingly, to maximize profits, open programs that are much more profitable!

Deposits with higher interest rates in small banks are subject to risks. Despite the fact that all deposits are insured, returning money from a bankrupt is an unpleasant procedure. It will cost both time and nerves.

take risks small amounts! Short-term deposits with high interest in a reliable bank can bring a good income. By what criteria is determined the reliability of the bank, we will consider further.

Tip 1. Pay attention to the bank's participation in the deposit insurance system

An indispensable condition for accepting deposits for Russian banks is accreditation with the Deposit Insurance Agency. Eligibility financial transactions for issued by the Central Bank, but upon receipt of the appropriate status in the insurance company.

Information on issued licenses is provided on the official website of the Central Bank of Russia. Check the bank's participation in the state insurance program, and also see if the license was revoked and when the current one was issued.

Tip 2. Take an interest in the size of the authorized capital of a financial institution

How to determine how big a bank is? Depending on assets! Equity capital plus the bank's assets (funds of depositors, state and commercial lending) form the capital adequacy, which currently stands at 10-11%. Calculated according to the ratio formula equity with attracted assets.

Obviously, large banks attract customers in large amounts, which small and medium-sized financial institutions cannot offer. Banks open for deposits have assets that are 8-10 times greater than their own capital.

Tip 3. Analyze the efficiency of employees and their attitude towards bank customers

Have you ever worked for interest? That is, how much could you earn, how much did you get?

Bought more expensive, sold cheaper - the formula works even for such complex structures as a bank.

Bank specialists work identically. The closer the client, the higher the salary. Such official scammers. But! It's not as beautiful as their white collars look. They plow just like you.

Speaking in human language, you will resolve your issues faster than demanding justice and shaking rights.

Tip 4. Pay attention to the format for calculating interest on the deposit

The mysterious word "capitalization". When do you get interest on the amount invested?

Isn't it all the same? Interest on interest, with the possibility of withdrawing accumulated interest, without the possibility of replenishment - the bank will always win. Yes, funds under the mattress will be of less use, but even here you will only wait for the minimum compensation for inflation.

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

Sberbank

Many people decide in the most reliable and trusted organization. In any case, Sberbank is considered to be such. There are several potential clients here. advantageous offers. You can make an anniversary contribution called "The Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. As a gift to the client there is an insurance program.

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

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

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

VTB 24

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

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

Rosselkhozbank

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

The Amur Tiger tariff with a maximum rate of up to 8.1% is also popular. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid every month and at the end of the term is accrued on debit card issued to the client after making the deposit. It can pay utility bills mobile communications shopping in online stores. And a person, making transactions with this card, helps to protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Preservation of These Rare Animals.

OTP

It is impossible not to pay attention to this organization, talking about which bank to open a deposit in the most profitable way. OTP has several suggestions. The "Maximum" tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30,000 rubles, replenishment and withdrawal is not possible. For the "Cumulative" tariff, the interest is 7.6%, for the "Pension" - 7.4%, and for the "Flexible" - 6.7%. There is also a rate of 6.5%.

Well, you can give an example of potential profit indicators. If a person has invested a million rubles and every month replenished the account by 20,000, then at the end of the year he will have 73,200 rubles on Accumulative. This net profit. In the case of the "Pension" the amount will be about 83,000. And according to the "Flexible" tariff at the end of the term, it will be possible to gain 74 thousand rubles. "Maximum" is suitable for people with a large income, since replenishment in its case is not provided.

Gazprombank

A certain part of Russians decides to open a deposit at interest in this organization. Gazprombank has five offers. All of them relate to basic deposits. The first option is "Promising" with a maximum rate of 8.2%. The term can be from three months to 3 years. Replenishment is not provided.

There is also "Accumulative". The rate is less than 8%, but you can replenish your account, as in the case of the "Dynamic" tariff, the maximum rate of which is 7.9%, but partial withdrawal is still available. There is also a Rentier tariff (6.7%).

The most common option is "Cumulative". Having invested a million, at the end of the year it will turn out to bail out about 74,000 rubles. But if you use the "Promising" tariff, opening a deposit for three years, then in the end you will be able to earn about 210,000 on interest.

Alfa Bank

Finally, let's say a few words about this organization. Someone decides to open a deposit in Sberbank, while others are more impressed by Alfa.

The first offer is the A+ tariff. The rate will be 7.3%. Having invested a million, at the end of the year it will turn out to bail out about 75,000. A similar tariff is called "Victory". Only in this case, the rate is 7.87%, and the total profit, respectively, is about 79 thousand rubles. The deposit, by the way, can be opened for a period of three months to 750 days.

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

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

Investments are not only reliable way save their savings, but also the opportunity to make a small profit. Despite the fact that this is a fairly transparent banking product, it is worth considering many of the nuances associated with bank deposits. Today we will tell you how to profitably invest in a bank, get the maximum profit and in which bank to open a deposit.

Bank deposit

Deposit bank accounts is an option passive source income. The depositor does not have to track account data on a daily basis or perform any actions at all. It is enough to periodically monitor information on interest accrual and make timely decisions to withdraw money or make decisions on further investment. Therefore, people who intend to open a deposit in a bank, first of all, care about the safety of funds and hope to receive a small income.

This is a risk-free way of earning, which is clearly regulated by law. Oversees the activities of commercial banks Central bank Russia, which is ready at any moment to defend depositors. Banking organizations are fully subordinate to the Central Bank.

At this stage, the market is saturated banking offers that are similar in terms of their criteria. They are fairly easy to compare with each other, so for those who decide which bank is better to open a deposit, we will tell you how to choose the right option for yourself and consider the current optimal offers.

To determine which contribution is more profitable, you need to pay attention to the main conditions under the contract, there are only a few of them:

1. Interest rate. The part that will be the profit. The higher it is, the more profitable the deposit. When deciding which bank is better to make a deposit, it is important to find a rate that would at least compensate for the previous year's inflation. But the interest rate is not the only indicator.
2. This is the addition of the accumulated money in the deposit amount, i.e., with a certain frequency, the deposit amount will grow, and interest will be charged on a large part, which will make the deposit more profitable. As a rule, such options have a lower interest rate than a savings account without capitalization. The more capitalization occurs, the greater the profit. There are contracts with monthly, quarterly or annual capitalization.
3. Shares from companies. In the banking environment there is such a thing as seasonal contribution. This is a promotion from banking organizations aimed at increasing the attracted capital. Also, the seasonality of deposits is dictated by market conditions. Often there are New Year's or summer offers. Such deposits are usually short-term with a high interest rate, it would be advisable to place money during this period.
4. Tariffs for interbank transfers. When choosing a bank for long-term relationships, it should be understood that after a certain period of time, the profitability of the deposit may become lower than alternative offers from other companies. Therefore, you may have to draw up an agreement with another bank and transfer money there. It is necessary to take into account the commission for the transfer of the bank that opened the account for you.

Banking companies offering to open a deposit do not greatly limit their customers in maximum amount placed on the account. But another thing is that only 1.4 million can be guaranteed to be returned in conversion into rubles. This is due to the fact that according to state program most banking institutions participate in the deposit insurance system.

If the bank is declared bankrupt or its license is revoked, then at the expense of the state you can return your money, including the interest earned at the time of revocation of the license. Therefore, in one bank it is recommended that no more than 1.4 million rubles be placed in total. If the depositor has a large amount of funds, then it is more reliable to use several banking organizations to open a deposit.

Before choosing a deposit, you need to pay attention to the terms under the contract. Bank deposits directly depend on the refinancing rate set by the Central Bank. This is the rate at which the Bank of Russia lends commercial banks. Also, interest depends on the exchange rate, current state economy, market trends, solvency of the population. All this is quite difficult to predict ahead of time, even for top specialists in this field.

That's why long-term deposit may be unprofitable in future use, given the increase in inflation or lost profits in connection with alternative proposals. It is recommended that the period does not exceed one year, after which it would be possible to assess the circumstances and choose the appropriate option.

Often, banking companies in the terms of the contract appoint an automatic prolongation. This means that if the depositor does not decide to withdraw the money at the end of the term, the contract will be extended for certain conditions. And the conditions may differ from the original. For example, when prolonging the rate will be lower.

Banks offer various programs:

• open a children's deposit;
• savings;
• accumulative;
• mortgage;
• currency deposit.

The rate under the terms of the agreement, if it is a long-term deposit, can be tied to the refinancing rate, and if it fluctuates, it can also change in one direction or another. This will allow you not to worry that there may be large interest losses.

Many programs do not involve early withdrawal of money placed on the account. In this case, there may be a loss of interest, since the conditions provide for an “on demand” rate, which, as a rule, is 0.5%, instead of a funded rate of 8-9%.

Or the conditions dictate that the account must have a minimum balance, usually it is at least 10% of the deposited funds and has a lower threshold, for example, 100,000 rubles. This means that money above this amount can be withdrawn, the rest can be issued at a demand rate or subject to penalties.

Let's focus on this point again. The deposit is best suited, where there is a monthly capitalization, while high interest rates under the contract. In the long run, the interest that capitalizes the account can make the investment better, more profitable. For example, let's take 100,000 rubles at 12% per annum.

1. On a deposit without capitalization at the end of the term, you can get 112,000 rubles.
2. If there is a monthly capitalization in the contract, then the amount will constantly increase:

• 100 000 + 1 000 = 101 000;
• 101 000 + 1 100 = 102 100;
• 102 100 + 1 021 = 103 121;

…………………………………………….

• 12 111 550 + 1 115= 112 669.

At large sums on the account, the profit, respectively, becomes more tangible.

You can open a profitable savings deposit, provided that the possibility of replenishing the account is provided. This option is used by those who are going to make a large purchase. Also, this tool is used to invest part of the profits on a monthly basis. Replenished deposits can serve as an alternative to loans. Every month you make contributions commensurate with monthly payments in lending. Thus, it is not the client who pays interest to the bank, but the banking organization accrues income to the opened accounts.

Many depositors are wondering which bank is more profitable to open an account. As a rule, the choice falls on top structures that have proven their worth for decades. There is logic in this, but you should not dwell on well-known brands.

After all good propositions can be found among small local banking companies. The main thing that financial institution participated in state system insurance. Also indicators of profitable banks are: the authorized capital, the amount of money raised, the profitability for the previous period and the reliability rating from experts.

Insurance

Accreditation for banking companies is provided by the Central Bank. It regulates the list of banks that participate in state insurance. You can also get acquainted with the list of which banking organizations are included there on the website of the Bank of Russia. It is more profitable to open a deposit in one of them.

big authorized capital are owned by top financial corporations such as Sberbank or VTB 24. The rest of the assets are formed from funds raised from depositors and investors, as well as from the total investment activity jar. A large share of funds raised may have a negative impact in the event of a difficult economic situation and the emergence of panic among those who hold funds in this banking organization. In the event of a massive request for money, a financial institution simply will not be able to fulfill its obligations.

Another important factor when choosing the option where it is better to open a deposit is account management tools. This includes both the competence of personnel and remote control services. For example, in the case of Sberbank, you will have to face queues and waiting, but the company has a highly functional Personal Area and countless ATMs throughout the country and abroad.

Tinkoff does not even have offices, relying entirely on remote service, some local banks are poorly represented, but they provide prompt assistance in customer matters.

Reviews

A profitable contribution will always be distributed on the Internet, where users leave their feedback. It is worth separating the PR company banking institution with purchased advertising reviews from the opinions of real contributors. Therefore, as an analysis, it is recommended to use proven resources, such as: banki.ru or sravni.ru.

Banks

It's time to consider real current offers and identify profitable options for savings deposits at the moment. Perhaps, based on our analytics, you will choose the right offer for yourself.

Loco-Bank

At the moment, the deposit is better than that offered by Loko-Bank. The interest rate can reach 11% per annum. The minimum amount is 100,000 rubles, the maximum threshold is 2 million rubles. The term of the deposit is 400 days. At the same time, the interest rate is not homogeneous, but is distributed as follows:

• up to 100 days - 11%;
• 101-200 days - 10%;
• 201-300 days - 9.5%;
• 301-400 days - 6.5%.

Deposit replenishment is not provided, but capitalization is carried out on a monthly basis. You can open a ruble account, only partial withdrawal is possible, the contract is not automatically renewed.

LLC "Renaissance Credit"

It is profitable to open a deposit in Renaissance Credit. Interest rates are tied to the term of the agreement and the amount placed. They range from 7.5 to 8.25%. The minimum amount is only 5,000 rubles or 100 euros, dollars. For foreign currency accounts, the rates are from 0.35 to 0.5%. Provided automatic prolongation.

There are three directions:

• profitable - without withdrawal and replenishment, but with the highest rates;
• accumulative - without withdrawal, but with replenishment (6.75–7.50% in rubles and 0.15–0.75% in foreign currency);
• without borders, where both conditions are included. (7% in rubles, 0.15–0.25% in foreign currency).

Svyaz-Bank

Sviaz-Bank stands out with a seasonal product called "Legky". You can invest from 50,000 rubles at 8% per annum without replenishment and withdrawal for one year. Automatic prolongation is provided with conditions from 4.5 to 8.1%. Additionally, a bonus card is issued.

In Credit Europe, you can make a deposit with a quarterly capitalization at a rate of up to 9.25%. Deposits are non-replenishable, without withdrawal and with a non-uniform rate, which, unlike Loko-Bank, is more favorable for the client at the end of the term. The minimum entry threshold is from 30,000. The frequency is as follows:

Even in a difficult economic situation in 2019, 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 largest banks in the country, compiling a review of deposits in rubles with favorable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest money to earn 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 of individuals today remain the most reliable and traditional way of investing savings in Russia.

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 2019.

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. 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

Sovcombank

Deposit "Record Interest"

Replenishment / Without partial withdrawal / Calculation of interest monthly.

Rosselkhozbank

Deposit "Profitable (online)"

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

Promsvyazbank

Deposit "My income"

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

Post-bank

Interest rate

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

Gazprombank

Savings (online) deposit

Interest rate

Sum 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 from 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 ahead of schedule the end of the deposit, you can always get them, 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.