A deposit with a high interest rate compare banks. Deposits high rates. Deposits with early withdrawal

It is no secret that many Russians keep their accumulated funds in various banks. Agree that this is a good way to generate passive income. Almost every one of us has ever thought or is thinking about investing in a bank.

Why do so many people choose this way of investing? The answer is extremely simple. First, quick income. Secondly, simplicity of actions. No special knowledge is needed here. It is enough to study the rating of banks in terms of interest on deposits and choose the best option for yourself.

What is a bank deposit?

Deposit - this is money transferred to the bank for storage at a certain percentage. After a certain time, the funds are returned in a larger volume. It depends on the interest rate and the money you invest.

Bank deposits are regarded by the state as entrepreneurship, respectively, you need to pay tax.

All banks need investors, so interest-bearing deposits are constantly changing, more and more sophisticated ways to attract customers are being invented, and the rating of banks in terms of interest on deposits is changing. It is important to remember that banks will definitely not make offers that may be to their detriment.

What you need to know when choosing a deposit program?

Before you invest your money, you must definitely study all the conditions. First, it can have a floating rate. Secondly, the program may have various additional conditions.

Often banks arrange seasonal promotions. For example, New Year's. Credit organizations offer to invest with higher interest rates, and just at such a time it is most worth watching the rating of banks in terms of interest on deposits.

Five rules when placing a bank deposit

Many people do not understand investments at all, therefore, before giving away your funds, you need to carefully study everything, and five golden rules will help you with this. Be sure to read them.

Rule 1. Money should not be in the same institution

Many decide to invest a large amount in one organization. You should not do this if you are not completely sure of the institution. As you know, the insurance agency in the event of something will not pay you more than 1.4 million. It doesn't matter how many deposits you have in the bank. The total amount for them will not exceed this.

Rule 2. Term

In this case, you should think carefully. There is a calculator on the website of each credit institution. All financial institutions are guided precisely by the term of the deposit. If you are confident in the bank, then you can invest money for a long period, but if it exists not so long ago, then you can place funds for a short time.

Rule 3. Withdrawal of the amount received

Many investors are attracted by significant interest rates with minimal investment amounts. Typically, such deposits are not replenished, but sometimes interest can be withdrawn.

In fact, the money is practically dead, because if the deposit is closed ahead of schedule, you will have a fine and the interest will have to be returned.

Rule 4. Capitalization

Not many investors pay attention to this, but it is worth it. After all, the more capitalization occurs, the more money you will receive. Simply put, capitalization is the calculation of interest on interest.

Rule 5. Deposit replenishment

This is a nice plus. You can supplement your contribution with funds at any time and receive more. Of course, interest rates with such conditions are usually lower, but for many it is very convenient.

Below we will tell you about which banks have a high interest rate.

What contributions exist?

There are a lot of bank deposits and each of them has its own advantages and disadvantages. Yet there is a single classification of deposits.

1. On demand - depends directly on the term of the deposit.
2. Replenishable or non-replenishable deposit. Everything is very clear here.
3. Currency. Deposits can be made not only in rubles, but also in dollars and euros.

The difference between a demand deposit and a fixed-term deposit in its term. Term deposits are usually from one month to several years, and demand deposits do not have a term. That is, a person can withdraw funds when he needs them.

As for the currency, domestic banks have a choice. But the interest on foreign currency is much lower, although they have it much more stable and this has its advantages. The first thing to consider is the rating of banks on interest-bearing deposits.

Rating of banks by deposits

1. Contribution "Absolute Champion Plus" in the commercial Maximum rate - 8.5 percent. The period of placement of your money is from 91 days to 180 days. The minimum amount is 10,000 rubles.
2. Deposit "Profitable" in the commercial bank "BBR Bank". The maximum rate is 8.4 percent. The period of placement of your money is from 91 days to 730 days. The minimum deposit amount is 5000 rubles.
3. Deposit "Maximum interest in Internet banking" in the commercial bank "Binbank". The maximum rate is 8.3 percent. The period of placement of your money is from 91 days to 730 days. Minimum amount - from 10,000 rubles to 30,000,000 rubles.
4. Deposit "Maximum income" from standard". Maximum on the deposit - 8 percent. The period of placement of your money is from 91 days to 720 days. The minimum amount is 10,000 rubles.
5. Deposit "Classic" from the commercial bank "Soyuz". The maximum deposit rate is 8 percent. The period of placement of your money is from 93 to 367 days. The minimum amount is 10,000 rubles.
6. Deposit "Maximum income online" from the commercial bank "Sovkobank". The maximum deposit rate is 7.9 percent. The period of placement of your money is from 31 days to 365 days. Minimum amount - 30,000 rubles.
7. Deposit "Formula of income" from the commercial bank "Sotsinvestbank". The maximum deposit rate is 7.85 percent. The period of placement of your money is from 91 days to 365 days. The minimum amount is 100,000 rubles.
8. Deposit "Maximum income" from the commercial bank "Svyazbank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 1 month to 3 years. Minimum amount - 30,000 rubles.
9. Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 91 to 1065 days. The minimum amount is 50,000 rubles.
10. online" from the state bank "Rosselkhozbank". The maximum deposit rate is 7.55 percent. The period for placing your money is from 31 to 1460 days. The minimum amount is 3,000 rubles.

Many are interested in interest on interest, so the next part of the article will be devoted to the rating of banks on deposits with interest capitalization.

Deposits with capitalization

Rating of interest on deposits in Moscow banks

1. Deposit "Premium Rentier" from commercial bank TKB. The maximum deposit rate is 8.50 percent. The period of placement of your money is from 31 to 1460 days. Minimum amount - 50,000,000 rubles.
2. Deposit "Christmas VIP" from commercial bank "Vostochny". The maximum deposit rate is 8.20 percent. The period of placement of your money is from 91 to 367 days. Minimum amount - 1,000,000 rubles.
3. Deposit "Reliable" from commercial bank "TRUST". The maximum deposit rate is 7.95 percent. The period of placement of your money is from 91 to 181 days. The minimum amount is 50,000 rubles.
4. Deposit "Easy Income" from the commercial bank "SMP Bank". The maximum deposit rate is 7.89 percent. The period of placement of your money is 367 days. The minimum amount is 100,000 rubles.
5. Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 91 to 1065 days. The minimum amount is 50,000 rubles.

Banks of St. Petersburg: rating, deposits, interest

1. Deposit "Business" from commercial bank "MBSP". The maximum deposit rate is 8.50 percent. The period of placement of your money is 1 year. Minimum amount - 5,000,000 rubles.
2. Deposit "Digital bonus" from a commercial online ". Maximum deposit rate - 8.50 percent. Period of placement of your money - 3 months. Minimum amount - 100,000 rubles.
3. Deposit "For your own plus" from the commercial bank "Expertbank". The maximum deposit rate is 8.50 percent. The period of placement of your money is 1 year. The minimum amount is 1,000 rubles.
4. Deposit "VIP" from the commercial bank "Transstroybank". The maximum deposit rate is 8.50 percent. The period of placement of your money is 400 days. Minimum amount - 3,000,000 rubles.
5. Deposit "Maximum income with Halva" from the commercial bank "Sovcombank". The maximum deposit rate is 8.40 percent. The period of placement of your money is 3 months. Minimum amount - 30,000 rubles.

And finally, we will tell you about the highest percentage of deposits in Russian banks in the rating.

The highest percentage of deposits (largest banks in Russia)

1. Deposit "Savings" from the commercial bank "Alfa-Bank". The maximum deposit rate is 7.31 percent. The period of placement of your money is 1 year. Minimum amount - any.
2. Deposit "Smartvklad" from the commercial bank "Tinkoff". The maximum deposit rate is 7.21 percent. The period of placement of your money is 334 days. The minimum amount is 50,000 rubles.
3. "Prosto" deposit from commercial bank "Sberbank". The maximum deposit rate is 7 percent. The period of placement of your money is 5 months. The minimum amount is 100,000 rubles.

The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.

A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.

Most deposits that are issued at maximum interest have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.

When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that they work, many are wondering: which bank has the largest percentage of deposits today. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB bank

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

High interest deposits for 6 months

High interest deposits for 1 year

If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits?

According to Russian legislation, deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of the license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.

In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.

Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.

Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.

What is the article about?

• 1 Profitable deposits in rubles in Moscow banks today
  • 1.1 Profitable source of investment
  • 1.2 Contributions for passive income
  • 1.3 Contribution as a store of money
  • 1.4 Deposit for reserve accumulation
• 2 Rates on foreign currency deposits in Moscow banks today
  • 2.1 The most profitable deposits in dollars
  • 2.2 Euro deposits
• 3 Interest on deposits in Moscow banks: comparative table

In the process of development of society, the understanding of the profitable investment of their funds has come to the majority. People are realizing that they need to keep money not “under the pillow”, but where they can make a profit. Bank deposits provide an opportunity to save money from inflationary growth, increase their profitability.

During the economic crisis, a decline in business activity, a depreciation of the national currency, the assessment of the reliability of a financial and credit institution and the analysis of the conditions of bank deposits become an important aspect for most citizens. It so happened that in recent years, Russians have learned the relationship between economic changes and the development of the banking system.

Today, many financial and credit institutions, finding themselves in a difficult situation, lose their license and declare themselves bankrupt. More resilient banks are forced to lower interest rates on hoards in order to survive in difficult conditions. Let's consider the banks of Moscow in terms of their reliability and the profitability of placing deposits.

Profitable deposits in rubles in Moscow banks today

Today, more than 500 banks operate in Moscow, which offer various investment conditions and promotions for individuals. To choose the best option, it is not enough just to compare rates and choose the highest percentage. The profitability factor is influenced by the possibility of replenishing the deposit, interest capitalization, insurance, and more.

Before reviewing the existing offers of Moscow banks, you need to decide for what purpose you want to make a deposit:

1. search for a profitable good source of investment;
2. search for passive profit;
3. safety of money by a certain period (before buying real estate, travel, etc.);
4. to accumulate a reserve, a certain "airbag" or money for a "rainy day".

When looking for a profitable source of investment, it is necessary to choose the maximum terms (from one year) and the highest rates in Moscow today. In this case, the accrual of interest should be carried out at the end of the terms, or choose a deposit with interest capitalization.

Profitable source of investment

When looking for a highly profitable source of investment today, it is recommended to pay attention to the following proposals:

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• The deposit program for individuals "Bonus Online" from the Russian Mortgage Bank makes it possible to receive a yield of up to 10.9%. The allowable investment amount is 30 thousand rubles. - 6 million rubles. Interest is accrued every month, while the investor can additionally conclude an agreement on their further capitalization, which by the end of the term will significantly increase profits. Also, the advantage of this deposit is the ability to replenish the deposit, which is convenient for many depositors.
• The "SmartDeposit" program for individuals (with an increased interest), which is offered by Tinkoff Bank, makes it possible to place your money for one year. During this time, the investor receives a profit of 9%. During this time, it is forbidden to withdraw or replenish the deposit. Today, interest is accrued every month on a separate account. The peculiarity of "SmartDeposit" is to provide a gift - an increase in the rate of up to 10% when making a deposit online or making funds by wire transfer. This deposit can be renewed automatically. To increase profitability, you can choose the condition of interest capitalization (at the time of conclusion of the contract), which will affect the final result.

Investments for passive income

There are situations when people are looking for an additional source of income. A bank deposit is a good and reliable option for placing your money. In order for it to become a passive source of profit, the deposit must be selected based on the following parameters:

1. monthly accrual of interest;
2. a convenient method of withdrawing interest - for example, to a separate bank card.

Naturally, it is important to look for the highest interest rate for individuals. Today, the most profitable deposits in rubles in Moscow, which satisfied all of the above parameters, can be called an offer from the organization Credit Europe Bank.

The "Summer offer" deposit is provided on good terms:

• placement period - 1 year;
• interest is charged every month;
• currency - rubles;
• the rate is 10.75%.

A feature of this ruble banking product can be called benefits for early termination of the agreement. If the money is withdrawn ahead of schedule 180 days after the placement, the depositor receives a 5% income, which is credited to the account. If these programs do not suit you, pay attention to the deposits of the Russian Agricultural Bank for individuals.

Deposit as a means of saving money

There are situations when a person is waiting for a certain event - a summer vacation, a trip to another country, a wedding day, or just the time to start repairs. Perhaps you have found a new business idea and need time to calculate and build a business plan. It was possible to accumulate the required amount, but there are several months left before the expected event. Money should bring income, because in our country, even in a few weeks, cardinal financial changes can occur. The way out of this situation is to search for short-term deposits with the maximum interest rate in Moscow, as well as the ability to replenish them throughout the entire period. Please note that the deposit currency must match the currency that you will need to use, otherwise you may lose funds on conversion.

The “Personal” deposit in the Moscow Regional Bank for individuals fits the specified criteria. To maximize your income, you need to invest at least 10,000 rubles for a period of three months or more. The interest rate is 10%. The main advantage is the possibility of replenishing the deposit throughout the entire term of the contract. This means that the investor can save up to a certain date, depositing free money and increasing the total amount. Interest is accrued every month on a current account or on another card that is opened in this bank. If the deposit amount exceeds 1 million rubles, the client can use a safe deposit box free of charge during the term of the agreement.

Deposit for reserve accumulation

Every person, every family should have a certain “financial safety cushion”, some reserve in case of unforeseen circumstances. To do this, you need to make a deposit on demand or with the possibility of partial withdrawal. It is desirable that such a deposit could be replenished.

The most profitable deposit in Moscow, which meets all the criteria, can be called the "Online Bonus" deposit. The interest on the deposit is 10.9%, if you make it online, the rate will increase by 1%. You can place investments for a period of 1 year. You may also be interested in Binbank deposits for individuals.

Rates on foreign currency deposits in Moscow banks today

Even in the difficult crisis situation of 2020 in Moscow, there is an opportunity to invest money in such a way as to earn income. One of the most reliable and simple ways is a bank deposit. During the depreciation of the ruble, foreign currency deposits are gaining relevance. The most common programs that can be found in almost every bank are investments in euros or dollars. Also, many financial institutions offer deposits in British pounds sterling, Japanese yen, Swiss francs, Canadian and Australian dollars, Chinese yuan.

Unlike deposits in rubles, foreign currency deposits do not offer the same high rates. As a rule, rates on foreign currency deposits do not exceed 2-3%, very rarely reach 4% per annum in Moscow.

The most profitable deposits in dollars

For those who are going to make investments in dollars in Moscow, it is recommended to pay attention to the following offers (the list includes banks with the highest interest rates for individuals):

1. Bank Ugra with a deposit "Sunny Summer" makes it possible to deposit money for a year at a good interest rate - 3.5% with a deposit of $ 4,500. The minimum amount is $1,500, in which case the rate will be 3.3%. The advantage lies in the possibility of replenishing the account and receiving interest every month.
2. United Credit Bank offers a dollar deposit "Currency Prestige", which offers to open a deposit with a yield of 3.3% per annum. The minimum amount is 3,000 dollars, you can place a deposit for a period of 370 days. After opening, money can be deposited into the main account, withdrawal of interest or principal is not allowed.
3. Metropol Bank with the similar dollar offer "Metropol" makes it possible to invest at least 10 thousand dollars for a period of 270-400 days. At the same time, the depositor is guaranteed an interest rate of 3.25%. At the time of the agreement, replenishment of the deposit or partial withdrawal of funds from it is prohibited.
4. Bank Saint-Petersburg has developed a profitable bank dollar product "Deposit", which gives 3.1% per annum when placing an amount of 500 dollars for a period of 1825 days. If such a long term does not suit you, you can make a deposit for a year, while the interest rate will be 1.6%.
5. Nefteprombank offers no less favorable and good conditions to its depositors: investments in the amount of 10 thousand dollars can be put at 3% for a period of 730 days. During the term of the agreement, it is impossible to replenish the dollar currency deposit, interest is accrued every month.

Euro deposits

As with dollar deposits, profitable offers for euro deposits in Moscow come from regional banks. Consider current programs:

1. Confidence Bank has developed a currency offer "My currency", which makes it possible to open a deposit in the amount of 150 euros at 3% per annum for individuals. The period of placement is 1 year, during this time it is impossible to withdraw or replenish the account. Interest is calculated every month.
2. The conditions of the Commercial City Bank with the currency program "New Season" are similar to the previous position - the income is 3%, the interest is calculated every month. The main difference is in the minimum amount, the Commercial City Bank increased it to 500 euros. In addition, at the time of the contract, the deposit can be replenished.
3. You can make a currency deposit "Rentier" in Tempbank for 1 year at 2.9%. The minimum amount is quite high - 10,000 euros. The deposit can be replenished periodically, interest is calculated every month.
4. The deposit from Cinco-Bank "Classic" makes it possible to deposit money at 2.7% for 1 year. The minimum investment must be 7,000 euros, during the term of the contract, the account can be replenished.
5. Bank Express Credit, which is located in Moscow, makes it possible to issue an “Annual +” deposit with a yield of 2.7% for a period of 1 year. It is impossible to replenish it after signing the contract, the interest is charged at the end of the term.

Interest on deposits in Moscow banks: comparative table

In order to compare deposits in Moscow, you need to choose the main criterion for yourself. This may be the level of profitability, the reliability of a financial institution, the rating of banks, the possibility of early closure without loss of interest. For those who wish to make a long-term deposit, it is recommended to consider deposit rates at Sberbank.

In practice, you can achieve the highest profitability by contacting regional small banks. But many depositors do not trust little-known banks and are willing to invest their money in more well-known and financially stable institutions (even knowing that the interest rate will be lower).

For comparison, consider a list of reliable banks, their offers and interest rates on deposits:

Advice: profitable interest-bearing deposits in 2020 for pensioners are offered by VTB Bank of Moscow, providing a rate of 9.6% per annum for up to 5 years.

A bank deposit is one of the simplest and most reliable methods of investing and increasing your income. In order to make a deposit in Moscow, you do not need special knowledge. All banks discussed above are members of the deposit insurance fund. This suggests that even after the liquidation and bankruptcy of the institution, the depositor is guaranteed to return his money.

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Today, a huge number of banks operate in Moscow with a variety of offers - both in the national currency and in foreign currency deposits, with the possibility of replenishment and partial withdrawal. In order not to get confused among so many banking programs, it is necessary to set yourself the key criteria that you need to build on when making a choice - profitability, bank reliability, the ability to periodically replenish an account or withdraw interest during the term of the contract.

Profitable deposits in the top 10 most reliable banks are presented on this page: compare interest rates and choose the highest rates and the best conditions for deposits.

Deposits of individuals in reliable banks- this is a guarantee that you will not have to look for savings if the Central Bank suddenly revokes the license. It is believed that they offer not too high interest rates, but this opinion is not always true. In line deposits of the most reliable banks in Russia there are deposits with high interest rates.

The best interest offers from reliable banks from the top 10 are presented on this page. Everyone can choose a bank deposit for safe storage of savings, which will help not only protect money from inflation, but also increase it.

Profitable deposits in reliable banks: compare interest rates

Using this comparison table, you can find the best conditions for investing funds among the offers of the most reliable banks from the top 10.

Deposit of Unicredit Bank "For life"

A special deposit of individuals with increased profitability, available only to those who draw up a program of accumulative or investment life insurance, is an excellent opportunity to fix a high rate for a long time.

Terms

• Deposit term: from 270 to 1800 days (from 368 days in USD / 1800 days in EUR);
• Amount: from 100,000 rubles / 1500 dollars / 1500 euros;
• Replenishment: not provided;
• Capitalization: yes.

Interest rates

Deposit of Otkritie Bank "Nadezhny"

This is a new term deposit of individuals with an increased rate and the possibility of interest capitalization. It is opened in rubles, US dollars or euros both in branches and in mobile and Internet banking.

Terms

• Term: 91, 181 days;
• Minimum amount: 50,000 rubles / 1,000 US dollars or Euro;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Interest payment: monthly.

Interest rates

Rosbank's contribution "150 years of reliability"

Maximum profitability, even from a small deposit amount, without the option of partial withdrawal and replenishment.

Terms

• Deposit currency: rubles, US dollars, euros;
• Minimum amount: 15,000 rubles / 500 US dollars;
• Term: 3–36 months;
• Interest payment at the end of the term;
• Possibility of replenishment: no;
• Partial withdrawal: no.

Interest rates

When opening online: +0.2% per annum to the rate on deposits in the amount of not more than 1,499,999 rubles.

Rosbank deposits for pensioners: +0.2% per annum to the rate with an amount not exceeding 1,499,999 rubles.

Deposit of Promsvyazbank "My income"

Deposit of individuals with the possibility of obtaining maximum income and early termination on preferential terms. Increased rate in Internet banking: +0.25% per annum.

Terms

• Deposit currency: Russian rubles, US dollars, euros;
• Deposit term: 91, 181, 367 days. (in dollars only 367 days);
• Minimum amount: RUB 100,000 / USD 1,000 / EUR 1,000.
• Expenditure operations: not provided;
• Replenishment: not provided;
• Payment of interest at the end of the deposit term to the deposit account for deposit accounting.
• Preferential conditions for early termination: when closing the deposit after the 90th day, interest is paid at the rate of 1/2 of the interest rate.

Interest rates

• 1.75% - 2.00% per annum in USD
• 0.6% - 0.65% per annum in EUR

Raiffeisenbank's "Favorable" deposit

Deposit with the highest interest rate for high income. It is possible to open a deposit through the R-connect Internet bank or at a branch.

Terms

• Minimum amount: 50,000 rubles / 5,000 dollars / 15,000 euros;
• Term: 31, 91, 181, 366, 730 days;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Receipt of interest: monthly to the current account or added to the deposit amount.

Interest rates (% per annum):

Deposit "Gazprombank - Investment income"

Deposit of individuals for joint accumulation in the deposit and investment in mutual funds.

Terms

• Term: 91 - 367 days
• Minimum amount: RUB 25,000 / USD 500 / EUR 500
• Replenishment: not carried out
• Partial withdrawal: not carried out
• Interest accrual and payment procedure: at the end of the term

Interest rate

Alfa-Bank Pobeda+ deposit

This is a profitable contribution for individuals with the maximum income for the client. Without the possibility of partial withdrawal and replenishment.

Deposit conditions

• Amount: from 10,000 rubles. / 500 $ / 500 €.
• Term: from 92 days to 3 years.
• Interest capitalization: provided.
• Possibility of replenishment and partial withdrawal: not provided

Interest rates (with capitalization):

Deposit of the Russian Agricultural Bank "Investment"

Rosselkhozbank's deposit for individuals "Investment" provides an opportunity for clients to receive income both from the money placed on the deposit, and through investments in mutual funds. When opening a deposit, a free card is issued with the tariff plan "Amur Tiger - card for deposit".

Terms

• Term: 180 and 395 days.
• Minimum amount: 50,000 rubles / 1,000 US dollars
• Replenishment: not provided.
• Debit transactions with preservation of interest: not provided.
• Interest payment: end of term.

Interest rates

In Russian rubles

In US dollars

Deposits VTB 24 Profitable online

This deposit for individuals today allows you to get the highest income among VTB 24 deposits, but you cannot replenish it and withdraw money without losing interest either. Opened in Internet Banking.

Deposit conditions

• Term: from 3 months. up to 5 years;
• Minimum amount: 30,000 rubles. / 500 dollars / 500 euros;
• Monthly accrual of interest with capitalization or payment to the account;
• Additional contributions are not provided;
• Expenditure operations are not provided;
• Preferential conditions for early termination: when closing a deposit after 181 days, interest is paid in the amount of 0.60 of the interest rate set at opening/prolongation.

Interest rate:

Sberbank deposit "Save Online"

You should pay attention to this deposit of individuals if you need to securely save money and receive a guaranteed stable income.

Deposit conditions

• Term: from 1 month to 3 years inclusive.
• Currency: Rubles / US dollars
• Minimum amount: 1,000 rubles / 100 US dollars
• Replenishment: not provided
• Partial withdrawal: not provided

Interest rate:

Learn more about the terms and interest rates of deposits in branches or on the official websites of banks. The information is not a public offer and is provided for reference purposes.

Wanting to receive a stable, albeit small, income, citizens who have certain savings are increasingly trying to open a deposit in various banks. For most investors, the most important indicator when choosing a funded program is the interest rate. However, there are a few more significant nuances that you should pay attention to when choosing a deposit product. About what to look for, and in which bank high interest rates on deposits, we will tell in our article.

It so happened that the majority of depositors, when choosing a deposit program, pay the main attention to the interest rate. And this is the biggest mistake. But what about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their investors without the promised income and without their own savings too.

It is for this reason that the first thing the client should pay attention to is the reliability of the bank. Reliability is tested by the stability of the financial institution, guaranteed payments on deposit transactions, as well as leadership in the banking services market. As a rule, it is large banks that have been coping with all crisis situations for many years that rightfully become the most popular among the population.

Of course, you have to pay for security. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the probability of receiving the planned income increases significantly.

Important! An additional guarantee is the state support of those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of the bank's bankruptcy. Therefore, first of all, when choosing a bank for making a deposit, you need to pay attention to whether the bank has a state deposit insurance license.

Additional Criteria

We figured out the reliability, now let's decide what else should be considered when choosing a deposit.

1. Interest. For some, this indicator will be in the first place, but it is still better to consider it after choosing the most reliable bank. So, among the leaders of the financial services market, there are not so few banks that are ready to offer their depositors a fairly profitable deposit. A good interest rate today fluctuates between 8-8.3%. Of course, you can find better interest rates, but the conditions may be too harsh for those who want to invest.
2. Possibility of early partial or full withdrawal of money. This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract term of six months to a year. These are the most profitable and not too long-term programs, because there are always risks of an economic downturn and an unexpected bank failure. However, there are times when there is no opportunity to wait for the deposit to expire, and money is needed right now, then you need to clarify whether you will have the opportunity to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profit in case of early termination of the deposit agreement. After all, some banks almost completely take away the accumulated interest, even if the deposit has aged almost the entire agreed period.

3. Capitalization of received profit. Another important indicator is the possibility of capitalization of the income received. That is, the agreement may provide for the automatic consolidation of the principal amount of the deposit with the interest due on time, and the accrual of the following interest, already taking into account the increase in the size of the main deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise interest calculation. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
4. Deadline for making a deposit. This factor is also significant, because often, banks offer very decent interest only on short-term deposits. For deposits with a term of one year, the percentage becomes slightly lower.
5. Required input amount. Most depositors are confident that they can put any amount they have at interest. However, this is not the case. Of course, there are banks that do not care about the size of your savings that you want to put at interest, but most set a threshold for the deposit. Moreover, the larger this amount, the greater the percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to turn over the money it has. Accordingly, their profit depends on it.

Which banks have the highest interest rates?

So, as we have already decided, the most important factors when choosing a deposit program are the reliability of the bank and the interest rate. We will not compare interest rates from banks with a dubious reputation, which simply want to attract customers as much as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not fall apart until the time comes to collect the accumulated interest? Do you run the risk of being completely without money?

As you can see, those who want to invest their own money at high interest rates will have to seriously look for the most relevant offers. Of course, in addition to the options offered, there are many more offers from various banks, and sometimes they can be more attractive. Particular attention should be paid to short-term promotions. For example, during the New Year holidays, many banks had promotional offers with very attractive interest rates.

Important point! As a rule, most banks are ready to offer the maximum interest rate only for a short-term investment of money in a deposit account. However, you should not chase after small benefits, it may be better to choose a loan with a lower rate, but on more favorable terms of placement and with lower commission costs.