The most profitable bank deposits. Deposits

The rating of banks by deposits is formed in relation to banks that are included in the deposit insurance register. Ranking is carried out based on the total amount of funds received from clients. It is compiled by the Central Bank of the Russian Federation together with analytical companies. If you choose an institution that has a high performance, you don’t have to worry about your savings.

What is the rating of banks by deposits?

The deposit rating of banks is made up of organizations that best meet the requirements of the depositor. They are ready to provide optimal conditions for cooperation and have a high level of reliability. This suggests that the funds will be under reliable protection.

There is one subtlety that you need to pay attention to: you cannot say that the lower the deposit rate, the more reliable the bank. But even when an organization experiences difficulties, deposit indicators increase.

The profitability of investments is determined by:

annual interest;
possibility of replenishment and partial withdrawal;
capitalization of interest.

How is the rating of banks based on deposits formed?

assets;
loans;
number of clients.

The top lines are almost always occupied by large financial institutions with a network of branches and branches. The Central Bank determines deposits taking into account:

opinions of users who have already collaborated with a particular financial institution;
positions established by independent agencies.

The main indicator remains the size of the bank's capital. The higher it is, the less likely it is that license revocation or bankruptcy will occur soon.

The rating of deposits of Russian banks today is not the basis for unambiguous conclusions regarding the reliability of the company. Therefore, experts recommend carefully studying other conditions, and breaking up large amounts of deposits so that no more than 1.4 million rubles are in one bank account. All amounts up to this limit are insured.

How to find the best bank?

The TOP 10 banks by deposits are constantly changing. It is influenced by rates and the amount of funds received. The latter depends not only on the attractiveness of the offer and the level of trust in the institution, but also on the socio-economic situation in the country.

All institutions carrying out professional activities in the financial market are presented in our summary table. Users are asked to rank based on contributions made on a specific date. It is possible to see the difference over the past months both in rubles and as a percentage.

The best banks by deposits in 2020 are displayed on the top lines. If you analyze current values with past ones, you will see that the leading positions are occupied by large institutions with a long history of existence.

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There are a large number of offers on the financial market that allow you to make a deposit, but not all tariff plans are equally profitable. We analyzed the terms of deposits of the largest financial organizations in the Russian Federation and compiled a list of the most profitable tariff plans that allow you to earn money with minimal risk of losing money.

Bank deposit - cash deposited by an individual or legal entity into a bank for storage and receipt of profit.

Financial institutions motivate clients to open deposit accounts

Statistics from the Central Bank of the Russian Federation show that the methods work: as of March 2019, on bank deposits of individuals and legal entities in the Russian Federation – more than 40 million rubles. The best interest rates are offered at time deposits, which does not involve partial withdrawal. It is not profitable for banks if the client withdraws money ahead of time. As a result, the company will be forced to return the amount that it planned to use for other purposes.

Opening profitable deposits, the client gets the opportunity to save the amount and increase it. The method is recommended to be used if there is free money that the citizen does not know how to manage.

The most profitable deposits in rubles

When wanting to open a deposit, citizens first of all pay attention to the interest rate. Leading Russian banks offer relatively low profitability. According to the RA Expert organization, the average rate in different banks varies from 3.2 to 7.15% per annum. However, you can find offers that allow you to make a profit with a large percentage, even above 10%.

According to most financial advisers, using such tariff plans is not advisable: they are mainly associated with risk for the client. A high percentage indicates an attempt by a financial organization to raise funds by any means necessary, which indicates a crisis situation in the company. Accordingly, the risk of bankruptcy and subsequent loss of capital is high. If the amount is not insured, the client may lose money.

Do you have a current deposit?

YesNo

The speaker of the Youtube channel The Invest talks in detail about the most profitable investments, as well as how to choose the most suitable one for yourself:

There are other factors that influence the choice of deposit product:

Deposit term. Depending on the period of placement of funds, the interest rate may change.
Capitalization. The service involves the possibility of adding the received income to the body of the deposit. As a result, at a constant interest rate, it is possible to obtain a large profit.
Minimum contribution to open a deposit. The lower the indicator, the more people can take advantage of the offer.
Replenishment and withdrawal. It is difficult to predict in advance the need for cash over a long period of time. Therefore, the possibility of partially receiving the amount and making additional payments will be a plus.
Insurance. The service protects the client from loss of funds, which indicates the reliability of the deposit.

In accordance with the Federal Law “On insurance of individuals in banks of the Russian Federation”, in the event of bankruptcy of a financial organization, the client will be able to receive 100% of the amount, but not more than 1,400,000 rubles. If several deposits are opened at once in one financial institution, compensation is provided for each deposit, but the maximum amount remains the same.

Scheme of cash flow on deposits

SmartVlad (Tinkoff)

Can be opened remotely. For clients, the financial institution issues a free Tinkoff Black card, on which interest is charged. Cooperation with the company is possible under the following conditions:

interest rate reaches 6.5%;
an account can be opened in rubles, dollars or euros;
the amount starts from 50,000 rubles or 1,000 dollars or euros;
income is paid monthly;
possibility of capitalization, replenishment and partial withdrawal.

A convenient calculator on the official website of Tinkoff Bank allows you to quickly calculate the approximate future income from the deposit

Tinkoff Bank may increase the rate by 1% for ruble deposits if a person chooses conditions that require additional funds to be deposited into the account within 30 days from the date of opening the deposit.

Growing percentage (UBRD)

The offer from PJSC CB “Ural Bank for Reconstruction and Development” can be used remotely: opening a deposit is carried out through the company’s official website. Issued for the client free card Visa for accrued interest. Income depends on the period for which the funds are placed, as well as on the activation of the “Everything under Control” service package.

Interest rates start at 6.25%. The maximum percentage is 9%. Cooperation is carried out on the following terms:

a deposit can only be opened in rubles;
interest is calculated every 30 days;
The deposit period is 210 days, and the minimum amount is 10,000 rubles;
replenishment without restrictions;
partial withdrawal is allowed without restrictions within the accrued interest;
If the contract is terminated before its expiration, recalculation occurs at the “on demand” rate.

According to Alexey Merzlyakov, UBRD Marketing Director, the offer is popular among clients. The tariff plan was launched in September 2018. After 1.5 months, the total amount of transferred funds amounted to about 2 billion rubles. As a result, the financial institution was able to raise the interest rate.

First-class (UniCredit-Bank)

Using the tariff plan, a person will be able to open a profitable deposit in rubles (up to 6.81%) and US dollars (2.03%). Preferential conditions for early termination are provided. If the funds were in the account for half the term, interest is paid at the rate specified in the agreement.

Conditions for the First-Class deposit from UniCredit

Additional terms of cooperation:

income is paid to a current account or bank card;
partial withdrawal is unacceptable;
capitalization can be carried out at the client's choice;
Replenishment of at least 3,000 rubles is acceptable. or 100 dollars, no less than 15 days before the expiration date of the deposit;
auto-renewal is not performed;
It is acceptable to open a deposit online.

According to Forbes, UniCredit Bank at the end of 2018 entered the top 5 organizations in terms of reliability indicators.

Pobeda+ (Alfa-Bank)

The interest rate on deposits at Alfa-Bank directly depends on the package of services, the selected line of cards and the tariff plan category. The higher the level of service, the higher the interest rate. Depending on the tariff plan that the client has chosen, it will be:

outside service packages: from 5.5 to 6.8% (without capitalization), from 5.53 to 7.52% (with capitalization);
"Economy" package: from 5.6 to 6.9% (without capitalization), from 5.63 to 7.64% (with capitalization);
“Optimum” package: with capitalization from 5.83 to 7.89%, without capitalization from 5.8 to 7.01%;
“Comfort” package: with capitalization from 5.93 to 7.01%, without capitalization from 5.9 to 7.2%;
"Maximum Plus" and "Premium" packages: with capitalization 6.03-8.13%, without capitalization from 6 to 7.3%;
package "Alpha Private": with capitalization 6.13-8.26%, without capitalization from 6.1 to 7.4%.

Alfa-Bank's website contains a convenient table that allows you to familiarize yourself in detail with interest rates depending on the selected tariff package, the amount and term of the deposit, and currency

You can open a deposit for a period of 92 days;
amount – from 10,000 rubles;
capitalization possible;
You can open an account in rubles, dollars or euros.

According to the RA Expert agency, Alfa-Bank was included in the rating of the 50 best banks in terms of deposits and accounts for individuals.

My income (PromSvyazBank)

Interest rates on the offer depend on the client’s status, the period for which the funds are transferred, and the currency. For ruble tariff plans the following profitability is established:

122 days – 6.5%;
181 days – 7%;
397 days – 7.65%;
547 days – 7.8%;
731 days – 7.5%.

Cooperation is carried out on the following terms:

interest is paid at the end of the contract term;
the minimum deposit amount is 10,000 rubles;
there is a possibility of preferential termination;
It is permissible to deposit additional funds into the account.

If a pensioner opens a deposit, he is given a bonus of 0.1%. A similar benefit is available to individuals who deposit funds online, through a mobile bank or an ATM of a financial institution.

Catch a profit (Sberbank)

The deposit can be opened for a period from 5 to 18 months. The interest rate directly depends on it and is:

5 months – 7.1%;
1 year – 7.5%;
1 year 6 months – 7.65%.

The bank encourages opening a deposit through Sberbank Online

Cooperation occurs on the following terms:

the minimum deposit amount is RUB 50,000;
opening only in rubles is allowed;
early termination is carried out at the demand rate;
Auto-renewal is allowed;
opening a deposit is possible through an ATM, online banking or mobile service;
interest is paid at the end of the term;
capitalization, the possibility of replenishment and partial withdrawal are absent.

According to the Expert agency, Sberbank ranks first in the ranking of the 50 best banks in terms of deposits and accounts for individuals.

Reliable (Opening)

The service allows you to place a deposit in rubles. Interest rates depend on the amount and term of the deposit. The profitability will be:

50,000-250,000 rubles – 6.2-7.05% or 6.17-6.67% without it;
250000-750000 – 6.5-7.35% with capitalization or 6.47-6.88% without it;
750000-1250000 – 6.7-7.55% with capitalization or 6.66-7.50% without it
over 1,250,000 rubles – 6.8-7.65% with capitalization and 6.76-7.14% without it.

The terms of the deposit are as follows:

interest is paid monthly;
There is no possibility of replenishment or partial withdrawal;
the deposit can be opened via the Internet or mobile banking;
upon early termination, income is recalculated at the demand rate.

More precise conditions are announced to the client at the stage of concluding an agreement with the bank.

Comparison of conditions

When choosing the appropriate tariff plan option, you need to carefully analyze the terms of the transaction and compare deposits. The profitability of the offer depends on this. A comparison of contributions is presented in the table.

Contribution	Minimum amount, rubles	Bid, %	Capitalization	Partial withdrawal
SmartVklad	50 000	6,5-7,5	You can choose: receive accrued interest on the card or add it to the deposit body	Yes, with restrictions
Growing percentage	10 000	6,25-9	To choose from	Yes, with restrictions
3 000	until 9	To choose from	Unacceptable
Pobeda+	10 000	5,5-7,89	To choose from	Unacceptable
My income	10 000	up to 7.8	No	No
Take advantage	50 000	up to 7.65	No	No
Reliable	50 000	up to 7.63	To choose from	No

Before concluding an agreement with financial institution You must read the document carefully. A bank employee does not always verbalize the terms in full, and awareness of all the nuances of cooperation will protect the client from unpleasant surprises.

The profitability of an interest-bearing deposit depends not only on the interest rate. You need to take into account the duration of the contract, the possibility of extension, partial withdrawal and capitalization. If the profitability is overestimated, this may indicate a poor financial situation of the bank, so interaction with such an institution is associated with risk.

Write in the comments how profitable it is interest deposit in Russian banks.

It may take a lot of 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 familiarize yourself with the full list of options and their main conditions. A large selection of available deposits makes it possible 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 amount. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Advantages of our service

The site has created a convenient filter that allows you 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 using one or several parameters at once. To do this, you can specify in the filter:

minimum amount;
currency;
validity period of the deposit agreement;
additional possibilities for using the deposit.

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

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

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

Current offers

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

interest rate - up to 10.25%;
minimum deposit amount - 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 current 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 last news and reviews of the economic situation in Russia and recent events in the banking market. 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 strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money, which can be used in a variety of ways: hide the money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

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

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

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

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

ban on closing bank deposit in Moscow ahead of schedule;
prohibition on partial withdrawal of funds placed on the deposit.

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

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

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

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

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

In 2020, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

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

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

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

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

Deposits help not only save money from inflation, but also plan your finances. Some deposit programs allow you to transfer accumulated interest monthly to a separate account: this way you can either start saving for a large-scale purchase.

There are many different banks operating in Moscow today, the programs of which are tailored to any needs of clients. We have compiled a rating of deposits with high interest rates, as well as favorable bonuses and conditions.

“My strategy” (Promsvyazbank)

Conditions:

currency: rubles;

highest rate: 8%;

amount: from RUB 50,000;

terms: from 181 days.

This is a special insurance deposit. It is beneficial to open it for participants in the investment life insurance program. This can be done from one of the bank’s three Moscow partners: LLC “MAX – Life” (program “Manage Capital”), LLC “VSK – Life Line” (program “Growth Line”) or LLC “SK Ingosstrakh – Life” (program “ Vector"). Pay attention to the amount of the insurance premium specified in the policy: it is the maximum deposit amount available to you.

Interest is transferred to the card individual at the end of the deposit period. Capitalization, account replenishment and partial withdrawal of funds are not provided. Early termination of the contract occurs at the rate on general terms. You can open a deposit at a bank office. There are 39 branches of Promsvyazbank in Moscow.

Terms and rates:

from 50,000 to 999,999 rubles: 181, 367 days (7.85%);
from 1,000,000 to 3,000,000 rubles: 181, 367 days (8%).

"Maximum Income" (Revival)

Conditions:

currency: rubles / US dollars;

highest rate: 7.6% / 2.1%;

amount: from 50,000 rub. / from $1,500;

terms: from 181 days.

This special insurance deposit is beneficial for individuals who have entered into an investment life insurance agreement with Bank Vozrozhdenie. If you refuse insurance within two weeks from the moment of signing the papers, the deposit will remain, but the interest rate will be reduced by 1% in rubles and by 0.5% in US dollars.

Interest is transferred to the client's card at the end of the contract. It is impossible to replenish or partially withdraw money. Early termination – on general terms (at the demand rate). You cannot open a deposit online. There are 5 representative offices of Bank Vozrozhdenie in Moscow.

Terms and rates for rubles:

from 50,000 to 50,000,000 rubles: 181, 367 days (7.6%); 547 days (7.4%).

from $1,500 to $170,000: 181 days (1.5%); 367 days (2%); 547 days (2.1%).

"Renaissance Profitable" (Renaissance Credit)

Conditions:

highest rate: 7.5% / 1.5% / 0.5%;

amount: from 30,000 rub. / from 500 $ / from 500 €;

terms: from 91 days.

Interest, at the request of an individual, is transferred either to a current account or to any bank card. Replenishment or partial withdrawal of money is not provided. Early termination of the contract occurs on favorable preferential terms at the following rates: in rubles 91-180 days - 2.75%; 181-366 days – 3.75%; 367-399 days – 4%. In dollars 91-399 days – 0.15%. In euros – 0.1%. The maximum number of auto renewals is unlimited.

It is possible to open a deposit via the Internet. In this case, the minimum deposit amounts change to 5,000 for rubles and 100 for dollars and euros. There are 19 bank branches in Moscow.

Terms and rates for rubles:

from RUB 30,000: 91 days (6.35%); 181 days (7%); 271 days (7.5%); 367 days (7%); 400 days (7.25%).

Terms and rates for US dollars:

from $500 to $24,999: 91 days (0.35%); 181, 271 days (1.25%); 367, 400 days (1.5%);
from $25,000: 91 days (0.6%); 181, 271 days (1.25%); 367, 400 days (1.5%).

Terms and rates for euro:

from 500 to 24,999 €: 91,181, 271, 367, 400 days (0.25%);
from 25,000 €: 91,181, 271, 367, 400 days (0.5%).

"Absolute Maximum +" (Absolut Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.5% / 2% / 0.5%;

terms: from 91 days.

When opening a deposit, the bank issues to the individual plastic card VISA. At the end of the contract, the accumulated funds are transferred to it. Account replenishment and partial withdrawals are not possible.

Conditions for early termination are preferential. If the money is in the bank’s circulation for less than 181 days, it is returned at the demand rate. More than 181 days - add 0.6% of the rate at which the contract was concluded.

When prolongations occur, there is a beneficial increase in the interest rate. From the first to the fifth renewal of a deposit in rubles, 0.25% is added to the current annual interest rate. A deposit can be opened through Internet banking or at one of the Absolut Bank offices in Moscow. There are 13 of them open in the capital.

Terms and rates for rubles:

from 30,000 to 1,399,999 rubles: 91-180 days (6.5%); 181 days (7%); 182-271 days (6.8%); 272-366 days (6.9%); 367 days (7.05%); 368-721, 722-1080 days (6.4%);
from RUB 1,400,000 to RUB 2,999,999: 91-180 days (6.6%); 181 days (7.1%); 182-271 days (6.9%); 272-366 days (7%); 367 days (7.15%); 368-721, 722-1080 days (6.5%);
from RUB 3,000,000: 91-180 days (6.7%); 181 days (7.2%); 182-271 days (7%); 272-366 days (7.1%); 367 days (7.5%); 368-721, 722-1080 days (6.6%).

Terms and rates for US dollars:

from $1,000 to $9,999: 91-180, 181 days (0.6%); 182-271 days (1%); 272-366 days (1.2%); 367 days (1.6%); 368-721, 722-1080 days (1.5%);
from $10,000 to $34,999: 91-180, 181 days (0.6%); 182-271 days (1.2%); 272-366 days (1.4%); 367 days (1.8%); 368-721, 722-1080 days (1.7%);
from $35,000: 91-180, 181 days (0.7%); 182-271 days (1.4%); 272-366 days (1.6%); 367 days (2%); 368-721, 722-1080 days (1.85%).

Terms and rates for euro:

from 1,000 to 9,999 €: 91-180, 181 days (0.01%); 182-271 days (0.05%); 272-366 days (0.1%); 367 days (0.35%); 368-721 days (0.1%); 722-1080 days (0.05%);
from 10,000 to 34,999 €: 91-180, 181 days (0.01%); 182-271 days (0.1%); 272-366 days (0.15%); 367 days (0.4%); 368-721 days (0.2%); 722-1080 days (0.1%);
from 35,000 €: 91-180, 181 days (0.01%); 182-271 days (0.15%); 272-366 days (0.2%); 367 days (0.5%); 368-721 days (0.3%); 722-1080 days (0.15%).

"Classic" (Moscow Industrial Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.25% / 1.5% / 0.25%;

amount: from 30,000 rub. / from 1,000 $ / from 1,000 €;

terms: 365 days.

Interest is paid at the end of the term. Deposits and partial withdrawals are not provided. Early termination occurs at the demand rate. There is no auto-renewal.

When opening a deposit online, as well as for pensioners and veterans (must show identification), the maximum rate increases favorably by 0.25%. You can also use an ATM or go to a bank office. There are 28 of them open in Moscow.

Terms and rates for rubles:

from 30,000 to 1,499,999 rubles: 365 days (7%);
from RUB 1,500,000: 365 days (7.25%).

Terms and rates for US dollars:

from $1,000: 365 days (1.5%).

Terms and rates for euro:

from 1,000 €: 365 days (0.25%).

“Profitable year” (Home Credit Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7% / 1.5% / 0.5%;

terms: 365 days.

Interest is paid monthly or transferred to the account bank card, specified by an individual, or remain on the deposit balance and are capitalized, which will have a beneficial effect on further increases. Partial withdrawals are not allowed until the end of the contract term. It is allowed to replenish the account within the first 30 days from the date of the deposit. The minimum amount for a one-time top-up is 1,000 rubles, 100 US dollars or euros. Maximum – unlimited.

Early termination is possible only at the demand rate. The number of automatic renewals is unlimited. The deposit can be opened via Internet banking or in the office. There are 19 bank branches open in Moscow.

“Smart Deposit (with increased rate)” (Tinkoff Bank)

Conditions:

currency: rubles / US dollars / euros / pounds sterling;

highest rate: 7% / 1.5% / 0.4% / 0.4%;

amount: from 50,000 to 30,000,000 rubles. / from 1,000 to 1,000,000 $/€/£;

terms: from 91 days.

Along with signing the deposit agreement, the individual is issued a Tinkoff Black debit card. Interest is paid on it. They can be capitalized if desired. Mono-currency deposits can be advantageously transferred to multi-currency deposits without loss of interest. The conversion rate is set by Tinkoff Bank.

You can top up your account with any amount within 30 days from the date of opening the deposit. Interest rate it will not increase, even if the “threshold” of a new one is passed. You can partially withdraw money no earlier than two months after opening the deposit (interest is automatically recalculated). It is permissible to withdraw at least 15,000 rubles or 500 dollars, euros and pounds sterling at a time.

Early termination of the contract occurs at the demand rate. Automatic renewal is carried out a maximum of 5 times. Since Tinkoff has only one representative office in Moscow, it will be faster and more convenient to sign an agreement using an online application on the bank’s website. A consultant will come to you with a package of documents. In addition, for transactions with deposits in the Moscow office you will have to pay an additional 1,000 rubles.

Terms and rates for rubles:

from 50,000 to 30,000,000 rubles: 3-5 months (5.5%); 6-11, 12 months (7%); 13-24 months (6%).

Terms and rates for US dollars:

from $1,000 to $1,000,000: 3-5 months (0.2%); 6-11 months (1%); 12, 13-24 months (1.5%).

Terms and rates for euros and pounds sterling:

from 1,000 to 1,000,000 €/£: 3-5, 6-11 months (0.2%); 12, 13-24 months (0.4%).

"All Inclusive Online" (Moscow Credit Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7% / 1.6% / 0.7%;

amount: from 1,000 rub. / from 100 $ / from 100 €;

terms: from 95 days.

At the end of the contract, interest is transferred to the individual’s card. Replenishment and partial withdrawal of funds for this contribution are not provided. If you urgently need this service, the bank will provide the opportunity to change the tariff plan to “Savings” or “Settlement”.

After the necessary manipulations, it will be impossible to change the tariff plan again or return to the old one.

Terms and rates for rubles:

from RUB 1,000: 95 days (6%); 185 days (6.5%); 370 days (7%).

Terms and rates for US dollars:

from $100: 95 days (0.9%); 185 days (1.25%); 370 days (1.6%).

Terms and rates for euro:

from 100 €: 95 days (0.16%); 185 days (0.35%); 370 days (0.7%).

“Maximum interest (at the end of the term)” (Promsvyazbank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 6.7% / 1.75% / 0.1%;

amount: from 5,000,000 rub. / from 100,000 $ / from 100,000 €;

terms: from 91 days / from 91 days / from 367 days.

For this type of deposit, only the withdrawal of interest is provided for the entire period of the agreement, however, the rates here are more favorable compared to similar ones, which include monthly payments. It can be opened only if you have a valid agreement to connect to the Private Banking program, except for the Avantage program.

Individuals are allowed to deposit additional funds within the first two months from the date of placing the deposit. Partial withdrawals are not provided. Early termination – at the demand rate. If the deposit remained among the bank’s assets for more than 183 days, interest is returned at a rate of 0.65 previously agreed upon per annum.

There are no automatic renewals. The deposit can be opened via Internet banking or at the Promsvyazbank office. 39 branches of the financial institution are open in Moscow.

Terms and rates for rubles:

from RUB 5,000,000: 91 days (6.2%); 184 days (6.4%); 367, 547, 732, 1100 days (6.7%).

Terms and rates for US dollars:

from $100,000: 91 days (0.8%); 184 days (1.4%); 367 days (1.75%); 547, 732, 1100 days (0.1%).

Terms and rates for euro:

from 100,000 €: 367, 547, 732, 1100 days (0.1%).

“Your deposit” (Post Bank)

Conditions:

currency: rubles;

highest rate: 6.5%;

amount: from RUB 50,000;

terms: 367 days.

Interest is paid at the end of the contract term. You are allowed to top up your account within the first 10 days from the start of the deposit. Partial withdrawal is excluded. Early termination – at the demand rate.

If you open a deposit via Internet banking, 0.25% will be added to the maximum rate. The same bonus is given to pensioners who receive a pension into an account with the “Pension” and “Salary Pensioner” tariff plans. If you connect these tariffs already during the validity of the “Your Deposit” deposit, bonuses will not be added.

Terms and rates:

from 50,000 to 4,999,999 rubles: 367 days (6.5%);
from RUB 5,000,000: 367 days (5.5%);

"New Pension" (Moscow Regional Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.25% / 2.3% / 0.6%;

amount: from 10,000 rub. / from 300 $ / from 300 €;

terms: 366 days.

This is a good deposit for pensioners. Only individuals with a pension certificate can invest in it. The accumulated interest is either transferred to the client’s card monthly or left on the deposit account, which beneficially increases further payment amounts. Deposits and partial withdrawals are not provided.

Early termination occurs on preferential terms. They return from 1.05 to 3.55% in rubles, from 0.5 to 1.05% in dollars and from 0.15 to 0.45% per annum in euros. The maximum number of auto-renewals is unlimited. There are 8 bank branches in Moscow.

Terms and rates for rubles:

from 10,000 to 9,999,999 rubles: 366 days (6.75%);
from 10,000,000 to 49,999,999 rubles: 366 days (7.05%);
from RUB 50,000,000: 366 days (7.25%).

Terms and rates for US dollars:

from $300 to $999,999: 366 days (2.25%);
from $1,000,000: 366 days (2.3%).

Terms and rates for euro:

from 300 to 999,999 €: 366 days (0.5%);
from €1,000,000: 366 days (0.6%).

“Save Online” (Sberbank of Russia)

Conditions:

currency: rubles / US dollars;

highest rate: 4.45% / 1.35%;

amount: from 1,000 rub. / from 100 $;

terms: from 30 days.

This year continues, issued before 1991. You can also sign up for a new deposit program. Interest on this deposit is either paid monthly to the specified account of the individual, or is capitalized. Deposits and partial withdrawals are not provided. In case of early termination of a deposit opened for more than six months, the client is returned 2/3 of his interest rate. Deposits opened for a shorter period are terminated at the demand rate.

The deposit is opened only using the Sberbank Online system. It can be accessed not only on the Internet, but also at ATMs. There are 1,374 SB RF ATMs operating in Moscow. This program has the largest deposits, so it’s really more profitable not to visit the office to make another deposit. The number of automatic renewals is unlimited.

Terms and rates for rubles:

from 1,000 to 99,999 rubles: from 1 to 2 months. (3.8%); from 2 to 3 months. (3.95%); from 3 to 6 months. (4%); from 6 months up to 1 year (4.15%); from 1 to 2 years, from 2 to 3 years, 3 years (4.05%);
from 100,000 to 399,999 rubles: from 1 to 2 months. (3.95%); from 2 to 3 months. (4.1%); from 3 to 6 months. (4.15%); from 6 months up to 1 year (4.3%); from 1 to 2 years, from 2 to 3 years, 3 years (4.2%);
from 400,000 rubles: from 1 to 2 months. (4.1%); from 2 to 3 months. (4.25%); from 3 to 6 months. (4.3%); from 6 months up to 1 year (4.45%); from 1 to 2 years, from 2 to 3 years, 3 years (4.35%).

Terms and rates for US dollars:

from 100 to 2,999 $: from 1 to 2 months, from 2 to 3 months. (0.1%); from 3 to 6 months. (0.3%); from 6 months up to 1 year (0.65%); from 1 to 2 years (1%); from 2 to 3 years (1.15%); 3 years (1.25%);
from $3,000: from 1 to 2 months, from 2 to 3 months. (0.15%); from 3 to 6 months. (0.35%); from 6 months up to 1 year (0.7%); from 1 to 2 years (1.1%); from 2 to 3 years (1.25%); 3 years (1.35%).

Let's sum it up

Always read the terms of deposit carefully. Sometimes the interest is lower where additional services are included - and you will not need these services at all. In such cases, it is better to take a closer look at other, more profitable offers.

They are practically no different from Moscow ones. Opening a deposit for a minimum and maximum period is fraught with low profits in the first case and large risks in the second. Therefore, an average period of 100-180 days is optimal. Also, due to low returns, you should not invest amounts less than 100-200 thousand rubles or their currency equivalent.