Deposits high rates. Where is the highest interest rate on deposits? What is a bank deposit

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period of time. None of the programs can be called universal - the recipe for a profitable investment of money is different for everyone and depends on the depositor's attitude to the reliability of the bank, auto-renewal, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the depositor.

This page contains banks offering the highest interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the "Apply" button - you will be redirected to the bank's website.

Creditnatok is a service that allows you to select deposits with the highest interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest on deposits in Moscow and will be able to profitably manage your money right now.

Analysis of profitable offers

Offers that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period the interest is calculated on the new increased amount. Among the best profitable offers can also be identified:

not allowing replenishment and partial withdrawal of funds;
not allowing withdrawal of income before the end of the contract;
promotional offers of banks dedicated to memorable dates.

Term deposits with the highest interest can also be found among currency products: the interest rate here is lower than that of ruble deposits, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high percentage are easier to find in less promoted small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over quick money. Additional pluses are convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page banks that offer the highest income and allow you to invest money profitably. You can choose a suitable bank according to several criteria: high income, term, deposit amount, currency. It should be remembered that a higher rate, exceeding the refinancing rate by 5 points, will entail the payment of a tax of 35% on the difference between the interest.

To find out more, click on the "Apply" button: get all the necessary information and fill out an application on the bank's website. Look for great deals with "Creditznatok"!

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 last news and reviews of the economic situation in Russia and the latest developments 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.

All banks are interested in attracting as much money from depositors as possible to their accounts. To this end, there is a wide range of deposits. High interest is not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

With all the differences, deposits can be conditionally divided into three groups, depending on the possibilities of managing accounts: income-generating (without the possibility of replenishing and withdrawing money), replenished and with the possibility of using funds.

Choosing the highest percentage is easy, but what if you urgently need money? Here, savings programs with the right to partial / full withdrawal of money come to the rescue. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract period without the ability to manage and use ahead of schedule in cash. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in various banks are relatively equal:

You need to select a specific offer.
Deposit an amount not lower than the indicated minimum.
Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

Bank of Moscow "Correct Answer"

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

VTB 24 Profitable

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenished deposits

Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

Gazprombank Accumulative

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and 500 €.

VTB 24 Accumulative

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Raiffeisen Bank Personal Choice

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

Bank Trust "All Inclusive" with the possibility of replenishment

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

Gazprombank. Product "Dynamic" has an additional possibility of replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, $ 1,000 and € 1,000.

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

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

The best interest on deposits in banks

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

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

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

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
at 91 days - 6.6%;

for 181 days - 6.7%;

for 367 days - 6.7%.

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

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

"Maximum income" (Moscow Credit Bank)

Conditions:

the minimum amount is 1000 rubles; $100; 100 euro;

terms and interest for deposits in rubles:
for 95 days - 5.75%;

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

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

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

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars euro;

the minimum amount is 30,000 rubles; $5,000; 5000 euros;

terms and interest when opening a ruble deposit in the office for up to 1 year:
upon termination within 31–90 days - 6.6 / 7.6% (Halva card);

upon termination within 91–180 days - 7.0/8.0% (Halva card);

upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);

upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).

terms and interest when opening a ruble deposit in the office for up to 3 years:
upon termination up to 90 days - 6.8 / 7.8% (Halva card);

upon termination up to 180 days - 7.2 / 8.2% (Halva card);

upon termination up to 365 days - 6.8 / 7.8% (Halva card);

upon termination up to 730 days - 6.0 / 7.0,% (Halva card);

upon termination up to 1095 days - 6.0/7.0% (halva card).

terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
upon termination within 31–90 days - 6.6%;

upon termination within 91–180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271-365 days - 6.6%.

terms and interest when opening foreign currency deposits:
in US dollars for 271–365 days - 1.55%;

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

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

"Reliable" (Opening)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;

terms and interest:
for ruble deposits for 91 or 191 days - 6.42–7.30%;

in US dollars for 91 or 181 days - 0.20–0.80%;

in euros for 91 or 181 days - 0.10%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.

"Maximum Interest" (Binbank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

the minimum amount is 10,000 rubles; $300; 300 euros;

terms and interest for ruble deposits:
when opening at a bank branch - 6.10-7.30%;

for individuals (pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

terms and interest for deposits in US dollars:
when opening at a bank branch - 0.55-1.65%;

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

terms and interest for deposits in euros:
when opening at a bank branch - 0.01%;

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

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

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms of deposit opening - from 31 to 1460 days;

the minimum amount is 3000 rubles; $50;

interest rate for ruble deposits - up to 6.70%;

interest rate for deposits in US dollars - up to 2.45%.

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

Profitable (VTB 24)

Conditions:

currency - rubles;

minimum amount:
when opening an online deposit - 30,000 rubles;

when opening a deposit in a bank branch - 100,000 rubles.

terms and interest when opening a deposit in a bank branch:
for a period of 3–5 months - 6.20/6.23%;

for a period of 6 months - 6.20/6.28%;

for a period of 13–18 months - 5.90/6.15%;

for a period of 18–24 months - 5.70/6.02%;

terms and interest when opening a deposit online:
for a period of 3–5 months - 6.60/6.64%;

for a period of 6 months - 6.60/6.69%;

for a period of 6–13 months - 6.15/6.23%;

for a period of 13–18 months - 6.10/6.29%;

for a period of 18–24 months - 5.90/6.15%;

for a period of 24–36 months - 5.70/6.02%;

for a period of 36–61 months - 3.10/3.25%.

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

Pobeda+ (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; $500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euro - 0.01–0.20%.

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

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 15,000 rubles; $500; 500 Euro;

terms - from 3 months to 1097 days;

interest rates for ruble deposits:
for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;

for the amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

for an amount from 1,000,000 rubles - 6.0–6.4%;

interest rates for deposits in US dollars:
in the amount from 500 to 10,000 dollars - 0.30–1.40%;

in the amount of $10,000 or more - 0.40–1.50%;

interest rates for euro deposits:
for amounts from 500 to 10,000 euros - 0.01%;

in the amount of 10,000 euros - 0.01%.

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

"Replenish" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; $100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
for 3–6 months - 3.70/3.71%;

for 6–12 months - 3.80/3.83%;

for 1–2 years - 3.60/3.66%;

for 2–3 years - 3.45/3.63%;

for 3 years - 3.45/3.63%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
for 3-6 months - 3.85 / 3.86%;

for 6–12 months - 3.95 / 3.98%;

for 1–2 years - 3.75/3.82%;

for 2–3 years - 3.70/3.83%;

for 3 years - 3.60/3.80%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75%.

terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
for 3-6 months - 3.45 / 3.45%;

for 6–12 months - 3.55/3.58%;

for 1–2 years - 3.55/3.58%;

for 2–3 years - 3.30/3.41%;

for 3 years - 3.20/3.35%.

terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
for 3–6 months - 3.60/3.61%;

for 6–12 months - 3.70/3.73%;

for 1–2 years - 3.50/3.56%;

for 2–3 years - 3.45/3.57%;

for 3 years - 3.35/3.52%.

terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
for 3-6 months - 0.25%;

for 6–12 months - 0.55%;

for 1–2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3–6 months - 0.05%;

for 6–12 months - 0.20%;

for 1–2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.25%;

for 1–2 years - 0.60%;

for 2–3 years - 0.70%;

for 3 years - 0.80%.

terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.30%;

for 1–2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

terms and interest rates for dollar deposits when opening at a bank branch (from $100):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

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

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

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

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

N - the initial amount of the contribution;

P is the interest rate;

d - calendar days after which new interest is charged (usually 30 or 31 days);

D - 365 or 366 days a year, depending on the current year;

n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

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

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

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

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

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

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

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

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

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

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

Summing up

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

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

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

In Moscow today there are many different banks, whose programs are adjusted to any needs of customers. We have compiled a rating of deposits with high interest rates, as well as favorable bonuses and conditions.

"My strategy" (Promsvyazbank)

Conditions:

currency: rubles;

the highest rate: 8%;

amount: from 50,000 rubles;

terms: from 181 days.

This is a special insurance deposit. It is beneficial to open it to participants in the investment life insurance program. This can be done at one of the three Moscow partners of the bank: MAKS-Life LLC (Manage Capital program), VSK-Life Line LLC (Growth Line program) or SK Ingosstrakh-Life LLC (Program " Vector"). Pay attention to the amount of the insurance premium indicated in the policy: it is the maximum deposit amount available to you.

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

Deadlines 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;

the highest rate: 7.6% / 2.1%;

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

terms: from 181 days.

It is beneficial to open this special insurance deposit for individuals who have concluded an investment life insurance contract with Bank Vozrozhdenie. If you refuse insurance within two weeks from the date 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.

The interest is transferred to the customer's card at the end of the contract. It is not possible 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 Vozrozhdeniye Bank in Moscow.

Terms and rates for rubles:

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

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

"Renaissance Profitable" (Renaissance Credit)

Conditions:

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

amount: from 30,000 rubles. / 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 euro - 0.1%. There is no limit to the maximum number of auto-renewals.

Opening a deposit via the Internet is available. In this case, the minimum deposit amounts are changed to 5,000 for rubles and 100 for dollars and euros. There are 19 branches of the bank in Moscow.

Terms and rates for rubles:

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

Terms and rates for US dollars:

$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 / euro;

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

terms: from 91 days.

When opening a deposit, the bank issues to an individual plastic card VISA. At the end of the term of the contract, the accumulated funds are transferred to it. Replenishment of the account and partial withdrawal of money are not possible.

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

With prolongations, there is a favorable increase in the interest rate. From the first to the fifth extension of the deposit in rubles, 0.25% is added to the current annual ones. The deposit can be opened through the Internet bank or in one of the offices of Absolut Bank 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 1,400,000 to 2,999,999 rubles: 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 3,000,000 rubles: 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:

$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%);
$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 / euro;

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

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

terms: 365 days.

Interest is paid at the end of the term. Replenishment and partial withdrawal 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 (it is necessary to show a certificate), the maximum rate increases favorably by 0.25%. You can also use an ATM or come to the 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 1,500,000 rubles: 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 / euro;

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

terms: 365 days.

On a monthly basis, interest is either transferred to a bank card account indicated by an individual, or remains on the deposit balance and capitalized, which will have a beneficial effect on further increases. Partial withdrawal of money before the end of the contract period is not allowed. It is allowed to replenish the account within the first 30 days from the moment the deposit starts. The minimum amount for a single deposit is 1,000 rubles, 100 US dollars or euros. The maximum is unlimited.

Early termination is possible only at the demand rate. There is no limit to the number of automatic renewals. The deposit can be opened through the Internet bank or in the office. There are 19 branches of the bank opened in Moscow.

"SmartDeposit (with a higher rate)" (Tinkoff Bank)

Conditions:

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

the 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.

Together with the signing of the deposit agreement, an individual is issued a Tinkoff Black debit card. It pays interest. They can be capitalized if desired. Monocurrency deposits are advantageously converted into multicurrency deposits without loss of interest. The conversion rate is set by Tinkoff Bank.

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

Early termination of the contract occurs at the demand rate. Auto-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, you will have to pay an additional 1,000 rubles for operations with deposits in the Moscow office.

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 / euro;

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

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

terms: from 95 days.

At the end of the term of the agreement, interest is transferred to the card of an individual. 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 "Cumulative" 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 1,000 rubles: 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 / euro;

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

amount: from 5,000,000 rubles. / 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 for the entire period of the agreement is provided, however, the rates here are also more profitable compared to the same, which includes monthly payments. You can open it only if you have a valid agreement on connecting to the Private Banking program, except for the Avantage program.

Individuals are allowed to deposit additional funds within the first two months from the moment the deposit is placed. Partial withdrawal of money is not provided. Early termination - at the demand rate. If the deposit has been among the bank's assets for more than 183 days, the interest is returned at a rate of 0.65 per annum agreed earlier.

There are no automatic renewals. The deposit can be opened through the Internet bank or at the office of Promsvyazbank. 39 branches of the financial institution have been opened in Moscow.

Terms and rates for rubles:

from 5,000,000 rubles: 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 50,000 rubles;

terms: 367 days.

Interest is paid at the end of the term of the contract. Replenishment of the account is allowed within the first 10 days from the date of commencement of the deposit. Partial withdrawal is excluded. Early termination - at the demand rate.

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

Deadlines and rates:

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

"New Pension" (Moscow Regional Bank)

Conditions:

currency: rubles / US dollars / euro;

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

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

terms: 366 days.

This is a good deposit for retirees. Only individuals with a pension certificate can invest in it. The accrued interest is either transferred to the client's card monthly or left on the deposit account, which benefits further payments. Replenishment and partial withdrawal of funds is 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. There is no limit on the maximum number of auto-renewals. There are 8 branches of the bank 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 50,000,000 rubles: 366 days (7.25%).

Terms and rates for US dollars:

$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;

the highest rate: 4.45% / 1.35%;

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

terms: from 30 days.

This year continues, issued until 1991. You can also apply for a new deposit program. Interest on this deposit is either paid monthly to the specified account of an individual, or capitalized. Replenishment and partial withdrawal of funds 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 rate. Deposits opened for a shorter term are terminated at the demand rate.

The deposit can only be opened using the Sberbank Online system. Access to it is not only on the Internet, but also at ATMs. There are 1374 ATMs of the Security Council of the Russian Federation in Moscow. This program is with the largest ones, so it’s really more profitable not to visit the office for the sake of making another deposit. There is no limit to the number of automatic renewals.

Terms and rates for rubles:

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

Terms and rates for US dollars:

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

Summing up

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

They practically do not differ from Moscow ones. Opening a deposit for the minimum and maximum terms is fraught with low profit in the first case and large risks in the second. Therefore, the average period of 100-180 days is optimal. Also, due to the low profitability, you should not invest amounts less than 100-200 thousand rubles or their currency equivalent.