Interest rates in commercial banks today. Reliable banks with high interest on deposits

Every year, depositors face an unpleasant and unexpected situation - banks delay the issuance of funds from deposits to clients in various ways. Find out why this is happening and what to do to get your money back.

For legal entities

Soft loans for small businesses

Preferential loans for small businesses increase the availability of the lending market for small companies and individual entrepreneurs. In this article, we will consider the state program, as well as several advantageous offers from banks.

Good advice

Investments in precious metals: stock instruments

Investing in precious metals is one of the oldest ways to save and increase capital. However, recently there has been a gradual transition from real gold to intangible assets. Read the article for details.

For legal entities

Settlement account in Post Bank

Post Bank is a universal credit organization, included in the TOP-30 of the country's banking sector. In the article we will talk about the features of current accounts for business at Post Bank, the cost of their maintenance and the procedure for opening.

Topical

Working in a bank as a career start

Working in a bank in initial positions is a good option for employment. As a rule, there are no strict requirements for applicants, so anyone who wants to try himself has a chance. Let's figure out what positions you can apply for if you have little or no work experience.

• New Product

  BBR Bank launched deposit "2020"

  5.75% per annum - this is the maximum rate of return of the new deposit program of BBR Bank, called "2020". The most attractive rate is provided in case of depositing funds for 700 days (a deposit can also be made for 200 or 500 days).

  17 Feb 2020

• Analytics

  "Opening": investment products become an alternative to deposits

  According to Otkritie Bank, Russians have recently been increasingly withdrawing free funds from deposit accounts and investing in investment products. The population has about 30 trillion rubles in their hands. In the fall of next year, the financial structure plans to hold an IPO. Perhaps the bank will sell securities to private investors.

  12 Feb 2020

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

  Mortgages in Sovcombank can now be issued at a rate of 8.69% per annum. The amount of a housing loan is not more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to issue a loan on two documents. A loan application is considered within 1 business day. For deposits

  19 Nov 2019

• New Product

  Energobank presented the contribution "Competent investor"

  Energobank's assets include a new deposit service with increased profitability. The rate on the "Competent investor" deposit reaches 8% per annum. The deposit can be issued for six months or for a year. The profitability of the program does not depend on the period of placement of funds. A prerequisite for making a deposit is the conclusion of an accumulative

  29 Oct 2019

• New Product

  Vozrozhdenie launched 4 new retail deposits

  The line of retail deposits of Vozrozhdenie Bank was replenished with four deposit products at once. The Replenished deposit is opened in rubles and US dollars. The maximum deposit rate is 5.5% per annum in rubles and 0.7% per annum in dollars. The placement amount is from 30 thousand rubles / 500 dollars. The deposit account can be replenished. "Active" deposit.

  01 Oct 2019

• Changing rates

  NS Bank changed deposit rates

  NS Bank revised the profitability of branded deposit products. The rate on the Investment deposit is currently 8% per annum. The deposit service is available for clients who have issued investment insurance products. Interest is paid at the end of the term of the deposit agreement. "Saving" deposit. Bid -

  02 Aug 2019

• Analytics

  Depositors received almost 33 billion rubles from the DIA. for 6 months

  From January to June, the Deposit Insurance Agency paid insurance compensation to 55.8 thousand people. Such data is published on the website of the state corporation. For the first six months, the DIA paid out 32.8 billion rubles to former depositors of bankrupt banks. This money was received by half of the people who are eligible to claim the insurance payment.

  July 23, 2019

• Changing rates

  Gazprombank raises deposit rates

  Gazprombank makes branded deposits more attractive. The marginal rate of return on the Vash Success deposit increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount of placement is 300 thousand rubles. The deposit is non-refundable. extradition

  27 Feb 2019

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.

High interest deposits - which banks have higher interest rates?

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!

The most reliable bank is not only the largest bank, but also the least risky one. 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 at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).

Among the most popular banks in this group, 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 the "Savings account" 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 yens - at 0.01% per annum);
• 3 deposits for owners of Sberbank First and Sberbank Premier service packages - Special Save, Special Replenish and Special Manage with increased 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 conditions 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. For pensioners, 3 programs have been developed (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 a variety of interest payment schemes: 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

Best bank deposits in 2017: conditions and interest rates The former IBRD offers 9 deposits in rubles / dollars / euros, 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://website/www.vkladvbanke.ru

The issue of saving and increasing funds is always relevant. One of the most reasonable and safest options is to open a bank deposit.

Warning!

Which bank and deposit to choose for the most profitable investment 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
• The outflow of 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 of insurance compensation on deposits from 700,000 rubles 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 is at the same time 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 attracting the largest volume of deposits from individuals”, which shows the average maximum interest on a deposit among the TOP-10 banks in terms of the volume of 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 Banking Supervision Department of the Bank of Russia using open information provided on 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? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended 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 overestimates the level of the credit rate by 3% or more from the average maximum, then it 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, which is why a private bank 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 deal with either an unstable credit institution or a risky one.

In fairness, we note that at the moment all deposits in one bank with a volume 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 anything 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 the best deposit 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 at the moment the euro and dollar exchange rates are extremely high and the ruble has already managed to more or less stabilize.

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. A term deposit is often placed for a year, less often for several months.

The deposits with the longest holding period sometimes offer the best 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 replenishable deposits that allow the client to make debit and credit transactions. As already mentioned, the best conditions are provided for 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 the key rate 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. The average rate on euro deposits is about 2.5-3%.

Attention!

The leading banks, again, are not encouraging with high rates on foreign currency deposits: the 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. This will also serve to improve the banking sector: inefficient banks will be automatically ousted from 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://site/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 of 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 daily 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 this 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 in the stock market, 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 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 arose almost at the same time as the 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, then the bank can fully return only the initial amount of the deposit, while interest on the deposit can be partially accrued.

Some banks, upon early termination of the contract, may return the fully accrued interest, but usually such deposits have low interest rates.

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.

A feature of multicurrency deposits: on one account, you can place several amounts in different currencies, 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, at interest rates (the equivalent of the monetary reward that 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 (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 make a reservation right away that very 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 made 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 a lower interest rate, 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 satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, and reliability are important.

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, is not the most profitable option today. 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 for a suitable bank can take a long 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 the current assets of the bank with the indicators that were a year ago and for the past and current months.

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

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, CB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MInB, Moscow Credit Bank, Nomos-Bank, Nordea Bank, Petrocommerce, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia, Sberbank of the Russian Federation, Svyaz-bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HKF-Bank, UniCreditBank.

The need to assess the reliability of the bank on the basis of the analysis of financial statements, paying attention to such criteria as deterioration or violation of the standards mandatory for a banking organization (which may lead to the revocation of a license), to non-performed own payments and difficulties encountered in paying off their own debts, to large turnovers of cash, which significantly exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares (this may signal the emergence of big problems for the bank in the near future), for any sharp decline in balance sheet indicators without reasonable explanations.

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. For large federal and regional banks, the expression "Too big to fail" is almost 100 percent applicable. Information about their assets, which testifies 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, the credit institution is trying to pay off its debts. This may indicate an increased risk.

How do you know if it's overpriced or not? In this case, you can be guided by the results of monitoring the maximum interest rates (for deposits in rubles) in the top 10 credit institutions that attract the largest volume of deposits from 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 mass closing of accounts by bank customers. 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 of compulsory deposit insurance has been operating in our country, and the banks themselves do this completely free of charge for customers. If such a nuisance happens and your bank is closed, within 14 days after the occurrence of the insured event, the deposit amount will be returned to you.

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 the 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 be delayed 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 the Russian deposit insurance system. 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 rates, having previously made a comparative analysis of 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 for 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 the bank's big problems are hidden behind an excessively high rate, which it is trying to solve at our expense.

A thoughtful approach, careful analysis and slowness in making a decision will allow you to make the 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.

It may take a long time to view all the profitable offers in Moscow banks. On the official websites of banks, there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly get acquainted with the full list of options and their main conditions. A large selection of available deposits provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The "Deposits of the month" section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Benefits of our service

A convenient filter has been created on the site, which makes it possible to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow by one or several parameters at once. To do this, you can specify in the filter:

• the minimum amount;
• currency;
• term of the deposit agreement;
• additional opportunities to use the deposit.

The results of the issuance are arranged according to one of two possible principles - an interest rate or a rating. The rating is calculated automatically by our website, taking into account the main characteristics of the convenience and security of working with the bank, such as:

• profitability of the deposit;
• the reliability of the bank;
• availability of additional options;
• availability.

These characteristics give an idea about the bank even before you start working with it. You can independently set the sorting principle and quickly find the information you need on any of the products presented on our website.

Current offers

In the list of issuing current offers at the moment, the maximum interest and terms of cooperation are as follows:

• interest rate - up to 10.25%;
• the minimum deposit amount is from 1,000 to 500,000 rubles;
• storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the existing products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest developments in the banking market, will be regularly sent to the e-mail address you specified. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

A deposit, also known as a deposit, is money that a client places in a bank in order to preserve and increase his capital.

The highest income is brought by fixed-term bank deposits with the highest interest rates. The best rates on deposits in rubles and foreign currency can be obtained during seasonal or other special bank promotions.

Bank deposits of individuals are divided into types depending on the term, additional options and currency.

Banks offer additional operations for term deposits:

• interest capitalization is a monthly transfer of interest to a bank deposit account, with each subsequent accrual taking into account the total amount of the initial deposit amount and previously accrued interest;
• auto-prolongation - automatic extension of the contract if the depositor does not close the deposit at the end of its validity period;
• replenishment and partial withdrawal of money from the deposit account give the client the opportunity to manage the funds without terminating the contract with the bank.

The best deposits in banks are selected taking into account all these components.

According to the type of currency, deposits are divided into ruble, currency (when making dollars, euros and other currencies), multicurrency (the deposit consists of the amount of funds in several currencies). The best interest rates and the maximum profitability are given by bank deposits in rubles.

Investing money in foreign currency is one of the most popular ways to save and increase your capital, especially in times of crisis.

Almost every Russian bank offers foreign currency deposits in dollars and euros, there are few deposits in other currencies. You can compare exchange rates on our website in the section "Currency rates". There are few offers of deposits in these currencies due to low demand.

Interest rates even on profitable fixed-term deposits in foreign currency are lower compared to ruble deposits due to the instability of the ruble against the dollar and the euro. Also, depending on the type of activity of the client, deposits are allocated for pensioners and students.

In which bank are profitable deposits today and how to find reliable offers at the maximum percentage per annum? Find the best interest rates on deposits and other parameters will help you our form "Deposit selection". This is a deposit calculator, with its help you can select not only profitable options, but also reliable banks for placement in 2020.

In 2020, today, among deposits in banks in Moscow, the most profitable high interest rate in rubles is at the deposit Deposit At the Top (with HOA) Gazprombank in Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best deposit in rubles.

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 suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates, depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used to exclude offers 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. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage of deposits in banks with additional options is usually lower than that of 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 amount of additional contributions is 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 rather strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
5. Globex - 8.15%. The 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 a special program for persons of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum 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 a partial withdrawal of funds, 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.