From the very beginning of this year, we have been warned that difficult times lie ahead. In particular, the head of the Savings Bank of Russia hinted that interest rates on foreign currency deposits would change a lot and often. The head of the Central Bank of the Russian Federation, Elvira Nabiullina, urged depositors not to panic and trust only the ruble. Like, for now, of course, external factors are putting pressure on him, but very soon he will get stronger and feel better.
No matter how officials and bankers reassure citizens, people are still interested in the most profitable foreign currency deposits in 2017. It is in them that they see salvation for their savings. Traditionally, investors are accustomed to trusting foreign currency. Moreover, more than the dollar than the euro.
| bank, product | Bid | Minimum deposit | Term | Opportunities for the investor |
|---|---|---|---|---|
| Rostov Universal Bank, Savings | 6,1% | 1 000 | 1 year | the maximum term of the deposit is not limited |
| Euromet, "Maximum income" | 6,05% | 1 000 | 1 year | capitalization refill |
| OPM-Bank, "12 months" | 6% | 1 000 | 1 year | refill rate increase |
| Kapitalbank, "Leader" | 5,9% | 300 | 1 year | refill |
| Ugra, "Successful season" | 5,8% | 300 | from 1 year | deposits and withdrawals |
Conditions for attracting deposits in US dollars:
As you can see, some financial institutions were included in both ratings. It turns out that their products can be considered the best for those who are interested in dollar deposits, and for those who save in euros.
The conditions under which the largest Russian banks attract foreign currency (dollar / euro) deposits:
| Bank | Bid | Minimum deposit | Term | The product's name |
|---|---|---|---|---|
| Sberbank of Russia | 2,11%/2,11% | 100/100 | from 3 months | "Refill" |
| VTB 24 | 1,9%/1,27% | 3 000/3 000 | from 1 month / from 31 days | "Freedom of choice" |
| Gazprombank | 2,2%/1,9% | 500/500 | from 181 days / 3 years and 1 day | "Perspective" |
| Bank of Moscow | 1,9%/1,17% | 100/100 | 1095/1095 days | "Maximum Growth" |
| Rosselkhozbank | 3%/3% | 100/100 | 1460/1460 days | "Classical" |
Here we see a much lower level of interest rates. At the same time, the stability offered by the largest financial institutions in the Russian banking sector is worth the money. Although with a deposit of up to 700 thousand rubles, you can, without fear, invest them in almost any bank in the country.
It is a fairly popular way to store funds. Despite the fact that it seems to be less profitable compared to the ruble, even with a low foreign exchange deposit rate, it can bring a good profit. Indeed, in this case, the investor receives not only income in the form of interest, but also due to the growth of the dollar against the ruble. It is generally accepted that dollar deposits are better protected from negative impact economic crises.
Opening a deposit in dollars at interest will be beneficial for those
- to whom wages are calculated in this currency
- who is trying to save a certain amount for travel
- or purchase foreign real estate,
- who doubts reliability of the ruble.
Moreover, experts usually advise to divide funds into several accounts: dollars, rubles, euros, in order to diversify risks.
Every citizen of Russia, Ukraine and any country of the former Soviet Union can open an account in foreign currency - not only a large investor, but also legal entities and individuals. As a rule, the minimum deposit amount is one hundred dollars. The conditions for depositors are the same as when registering a ruble account.
Before depositing funds in dollars, you need to pay attention to some features:
- According to the duration of the accounts are divided into urgent, long-term and perpetual
- Depending on the type of registration, you can open it online or at a bank representative office
- Interest can be accrued at the end of the month, quarter, year, in advance
- There are various types of deposits - savings, savings, demand
- The procedure for depositing money into the account - with or without the possibility of replenishment
As a rule, deposits in US currency involve lower interest, longer terms, certain limit restrictions are often set, there is no possibility to withdraw funds at any time, etc., but it all depends on the specific offer.
Benefits of deposits in US currency
Many depositors choose this option to save and increase funds, so banks are constantly creating new offers and trying to attract customers with maximum opportunities and advantages, giving them the opportunity to profitably.
Among the main advantages of the decision to put the US currency on deposit are the following:
- High level inflation protection, relative reliability and stability due to the fact that the dollar acts as an international means of payment, many other countries depend on it
- Deposit insurance for an amount equal to a maximum of 1 million 400 thousand in ruble equivalent. If the bank goes bankrupt, the state will cover the payments and settle with the client at the current rate of the Central Bank
- Most often, banks draw up an account for free, allow you to replenish it by depositing funds both in dollars and in rubles at the current exchange rate
- When opening an account with an amount exceeding one thousand US dollars, the client receives a card that works in any country in the world
- Given the current exchange rate, even small rates on deposits in foreign finance are very beneficial compared to ruble accounts
Disadvantages and risks of deposits in dollars
When deciding to open an account in US currency, you need to remember some of the nuances and risks:
1) It is worth looking not only at interest on deposits, but also at other indicators: bank reliability rating, interest calculation features, additional services, etc. It often happens that with lower interest, the total amount in one bank is greater than in the one where much higher interest is declared, since they use different methods of accrual.
2) It is desirable that the term of the deposit is indicated in the contract, not in months / years, but in days.
3) When deciding where to put a deposit in dollars, you also need to pay attention to whether interest by date deposit or on the first day of each month.
4) Be sure to find out all the possibilities of capitalization, the limit of funds, the features of replenishing the deposit, etc.
5) Familiarize yourself with termination terms contracts to know how to act in emergency situations.
6) When opening a multi-currency account, be sure to ask conversion terms currencies - at what rate is made.
7) Availability preferential terms- it is possible that when applying online or at an ATM, it will be possible to obtain additional benefits.
8) If a plastic card is provided, inquire about service cost, including it in the commission service.
9) Be sure to pay attention to cash withdrawal rates or adding funds, general maintenance, etc.
Some statistics on contributions to the video:
Selecting a specific offer for a deposit
To choose a profitable deposit in dollars, you need to carefully study the programs and types of deposits of different banks:
- VTB24 Bank offers a variety of programs, thanks to which you can receive from 1.7 to 3.85 percent per annum
- Sberbank makes it possible to open several deposits in a fairly wide range: from 1.8% to 5.05%, depending on the conditions and amount
- Alfa-Bank offers rates in the range of 1.1-4.9%
- Gazprombank makes it possible to open deposits with rates from 3.8 to 4 percent
All of them have different minimum amounts, terms of capitalization, payment scheme, etc. Therefore, in the process of finding the most profitable deposit in dollars in Moscow, you should personally visit the branches and deal with all the subtleties, interest rates, which may vary depending on the economic situation, exchange rates, the success of the bank, etc. on the spot.
It is worth noting that comparatively advantageous offers are made by little-known commercial structures: for example, Investtorgbank makes it possible to receive up to 5.5%, Agroinkombank - up to 7% (and is only $ 30), Republican Social commercial Bank guarantees 8% and fairly loyal conditions, Agrosoyuz also attracts customers with profitability and good conditions.
The final choice always depends on the client, but before trusting an impressive amount of funds, you need to study everything very carefully.
Well, a little joke
The most profitable deposits in foreign currency offer a number of advantages:
- the opportunity to receive additional profit with the growth of foreign money - in addition to the interest rate, you can count on an increase in the market value, which will increase your fortune in ruble terms;
- the most advantageous offer for foreign currency deposits is not necessarily the execution of an agreement in US dollars or euros, you can choose the Japanese yen, British pound, Swiss franc, etc.;
- the minimum amount for opening an account often does not exceed 50-100 US dollars (euro, etc.), the maximum is practically unlimited;
- when depositing more than 1,000 units of foreign currency into your account, you can count on free registration of an international plastic card, which operates in all countries of the world, in the presence of ATMs;
- the ability to connect additional options - monthly capitalization, replenishment or partial withdrawal and etc.;
- An excellent option is also an offer to open a multi-currency deposit and keep your savings in several currencies at once, diversifying risks.
Where to find the best option and how to apply?
Finding a profitable product among the many existing deposits is not an easy task even for experienced investors. However, now you do not need to look for a long time where the most profitable foreign currency deposits in Moscow banks are. Here you will find a rating of the best foreign currency deposits in Moscow and you will be able to study all the currently relevant offers. Do not miss the opportunity to choose the best option and increase your savings!
CreditZnatok specialists daily monitor that the rating of banks and deposits contains only up-to-date information - they monitor the current market situation, enter new data (if rates and other conditions change).
You only need to determine the desired level of profitability, the period of investment of money and the amount with which you are ready to part for a certain period. Our site presents only profitable deposits from verified financial institutions! This is a reliable way for everyone not only to keep their savings, but also to receive guaranteed regular profits!
Do you want to make a bank deposit for 1 month in US dollars, but do not know which financial institution provides the most favorable interest rates in Moscow today? This problem is relevant for many residents of the capital, because there are many financial institutions, and it is quite difficult for an ordinary investor to choose the best offer among them. Our service will help you decide exactly where to open a deposit in US dollars and euros. We have collected and regularly update data on what interest capital banks provide and on what conditions. Every day, our clients have the opportunity to make profitable foreign exchange investments, save their own funds and significantly increase them.
To find out the highest percentages of banks, or the conditions for the provision of services by financial institutions, use the special search form on this page. You can receive an answer to your own requests only after entering the following data:
- the amount of the deposit to be opened;
- the name of the banks on which you wish to receive information;
- the name of the settlement where you wish to open a foreign currency deposit;
- deposit currency (euro, dollars);
- the longest investment period (1 month, year, etc.).
You can sort the output of results (set a rating) by interest rate, time, deposit size. After entering all the necessary parameters, click the "Find" button. As a result, you will receive all the necessary and up-to-date information that will allow you to make profitable deposits in dollars in banks in Moscow and other cities of the Russian Federation.
Profitable bank deposits in US dollars
Based on the search results, you will find out the existing rating of financial institutions that offer the highest bank interest and the best conditions for cooperation. Comparing such data, you can choose the best offer for yourself personally. After choosing a bank, you should click the "Apply" button to submit the appropriate application. Soon, after a quick review, a bank representative will contact you to clarify all the nuances of cooperation.
Our ratings include only verified banking organizations that have been providing financial services for more than one year in Moscow. Remember, choosing the highest deposit percentage, you not only take care of the safety of your own capital, but also significantly increase your funds. Money that is placed on a short-term deposit (for example, 1 month) will allow you to quickly earn a certain amount. At long term investment the amount is guaranteed to remain completely safe and increase in proportion to the interest rate.
Benefits of using Creditznatok for your own benefit
Today we are the best service for monitoring existing banking offers, which allows you to quickly determine the favorable interest rates of banks on dollar deposits. To provide only up-to-date information, we analyze the current situation in the financial services market on a daily basis. Every citizen of the Russian Federation can use our portal for their own purposes. By comparing the rates on deposits in US dollars, as well as euros, you can significantly enrich yourself without much effort. It should be understood that currency fluctuations, with the skillful management of financial resources, are used to increase the capital itself. The current interest rate of deposits will help you choose a bank with the most favorable conditions. Creditznatok specialists work to meet the financial needs of every citizen of our country.
This page contains all current deposits in dollars in Moscow for individuals in 2020. There are many ways, recommendations, and advice on the best currency in which to store the available capital. But many investors, not without reason, prefer dollar deposits.
Indeed, the US currency can be valued for having one of the lowest inflation rates expected. Plus, if necessary, the US dollar is easier to convert than others.
Interest rates in Moscow banks
The minimum % under which currency savings can be placed today is 0.01. The best interest rates are at around 2.6.
To calculate future profits, we suggest you use a convenient online calculator. Determine the amount of planned investments and term. The service will automatically calculate the result.
If you want to invest cash under the most high percent, pay attention to the following bank offer.
Multicurrency Premium+
This deposit with a rating of 68 is currently considered the best. The minimum for it is 2, and the maximum rate reaches 2. It is he who will allow you to deposit money at a high interest rate on favorable terms. But in order to open it, two conditions must be met:
Other Important Aspects
Not always a large% is the main and only criterion when choosing an account. Many take into account other indicators. By sorting all the options provided for individuals on our website, you can choose the one you need according to the following indicators:
This is very convenient with a huge number of existing opportunities, as it allows you to narrow the circle and pay attention only to the most suitable offers.
