Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services by their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years.

Perhaps everyone who is thinking about investing money is looking for a deposit at a high percentage. It is the interest rate on the deposit that is the first criterion by which deposits are compared with each other. However, such a comparison would be incomplete. It is also important to take into account such a factor as risk.

Attention: the most up-to-date information on current rates and conditions - (updated weekly).

As is known, State System deposit insurance guarantees each depositor of a bank participating in this system the safety of savings in the amount of up to 1,400,000 rubles. However, here is what a potential contributor needs to remember.

1. The most reliable bank is not only the largest bank, but also the least risky one. Lending institutions with the participation of the state are the least inclined to risk - and our people are used to trusting the state somewhat more than private business. No wonder that it is the banks with state participation that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors. Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB.
2. Private banks from the Top 50 are the choice of people who, more trusting in private capital, prefer a high return on deposits. The fact is that these banks vigorously issue loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation). Among the most popular banks in this group, we can mention Home Credit Bank, Russian Standard, and MTS Bank (places from 18th to 38th in the rating of banks in the Russian Federation). Now let's look at what the banks mentioned above offer their depositors in February 2019 .

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Now Sberbank:

1 seasonal deposit "Catch the profit" - from 7.1% to 7.65% per annum;

8 time deposits in rubles and dollars (up to 5.75% on the "Save" deposit in rubles);
- 6 deposits for owners of service packages "Sberbank First" and "Sberbank Premier" - "Leader Save", "Leader Replenish", "Leader Manage" and "Special Save", "Special Replenish", "Special Manage". Rates in rubles - from 4.70% to 6.85%, in US dollars - from 0.90% to 3.40%, in euros - 0.15% -1.0%.

3 online deposits in rubles and dollars (rates are higher than for term deposits, on average by 0.25%);
- 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible. It is possible to choose replenishable and non-replenishable deposits, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “on the shoulder” for any person.

VTB

This bank offers several deposits on various terms (we can say that they are about the same with VTB as with Sberbank):

Seasonal deposit "Growth Time", opened until April 30, 2019 for 180 and 380 days, with a maximum rate of 7.60% (with online opening - 7.70%). With the amount of purchases from 75,000 rubles on the VTB Multicard, the deposit rate may increase to 9.2% per annum.

3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 2.50% to 7.16% per annum in rubles, from 0.01% to 3.56% - in US dollars, in euros - 0.01 %-0.96%.

3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at the same rates, but with a lower initial investment amount.

Savings deposit with flexible conditions in rubles. VTB Multicard holders have the opportunity to open a Savings Account at rates ranging from 4% to 8.5% per annum, with the interest rate depending on the monthly amount of purchases on the Multicard.

Gazprombank

This bank has a variety of offers on deposits: there is investment, including investments in mutual funds (up to 8.2%), savings deposits for various purposes in rubles (up to 8.0%), dollars (up to 3.25%) or euros (up to 0.40%). A deposit is also offered for pensioners at 6.8% 7.5% in rubles, 1% -2.05% in dollars and 0.01% -0.35% in euros. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rates - up to 8.55% in rubles, 4.50% in dollars), 2 pension savings programs (up to 6.85%). Some deposits are standard savings accounts, the maximum rate for which reaches 6.45% in rubles, 3.40% in dollars, 0.65% in euros. Interest rates here are higher compared to some other banks, and the placement conditions are wider - interest at the end of the term or monthly, with replenishment / without replenishment, with partial withdrawal / without withdrawal, that is, for every taste.

Russian standard

This bank offers 6 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 6.0% ("Universal") to 7.5% per annum ("Maximum income +", "Pension!"), And in foreign currency - up to 1.0% on the deposit "Maximum income" . Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is a logical "fee" for a depositor for a high income.

Home Credit

Home Credit offers: two foreign currency deposits: up to 2.50% in US dollars and up to 0.5% in euros, several ruble deposits with different conditions: from 5.5% to 8.0% per annum, 2 deposits for pensioners can be opened in Russian rubles (from 6.2% to 7.7% per annum), another deposit in rubles can be opened at 7.7% per annum, having an amount of 1 million rubles. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 2 to 24 months.

MTS Bank

MTS Bank offers 9 deposits in rubles/dollars/euro, including investment and pension deposits. Rates in rubles from this bank are in the range of 5.0-7.8%, and in foreign currency - from 0.01% to 3.30% per annum. You can choose a deposit with the most flexible conditions at a good percentage. An additional 0.25% to the base rate can be received by clients opening a deposit in the Internet bank, as well as payroll clients - with a deposit amount of 50,000 rubles or more.

Thus, it is most profitable to put money on deposit in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured.

High-interest deposits in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit). But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

Updated February 2019.

A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to put more money into the account, they can count on a higher interest rate and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

As for security today, everything is simple: the system state insurance deposits protects depositors from losing money due to bank failure or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. In case you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose a program with best conditions on a deposit - and open an account. At the beginning of 2017, a resumption of interest rate cuts is possible, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where is the best place to invest in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not very much - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher by an average of 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its customers ample opportunities for additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". The maximum income is possible on the Profitable deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles or more, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.

Alfa Bank

At the moment, it offers its customers not only loan products, but also a number of deposit programs. The smallest percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the highest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with the amount of the deposit from 10,000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly bank 0.05% of the deposit amount to the charity fund for saving sick children " Life Line.

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the "Seasonal" deposit - up to 10% per annum can be received by placing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days, replenishment and partial withdrawal are not provided. Also, under the program "Maximum income" you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, an increased rate is applied - + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, the minimum amount of the first installment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euro - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, the deposit "Capital" is opened for a period of 36 months, but without interest capitalization. For all deposits, except " Cabinet", the minimum amount of the first deposit and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of remote deposit with interest rates up to 8.0% (8.84% with capitalization) per annum in rubles, 1.5% in US dollars (2.01% with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). You can count on such a percentage with a balance of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partial withdrawals up to a minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of them is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. On the “Replenished” term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount to open is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is the best place to keep money?

As you can see, deposits in Moscow banks are offered on different terms. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make credit and debit transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

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• banking discussions

  Supreme Court of the Russian Federation: the case of the withdrawal of the deposit on the eve of the collapse of the bank

  The case reached the RF Armed Forces. The troika, chaired by D. Kapkaev, pointed out that transactions from March 1 fall within six months before the appointment of an interim administration, the rest - within a month. In order to recognize the transactions of March 29 and 30 as invalid, the DIA must only prove that when issuing money from deposits, the defendant was

  May 14, 2019

• New Product

  Bank "National Standard" presented the "Festive" deposit

  On the eve of the May holidays, National Standard Bank introduced the Festive deposit service. The main feature of the deposit: the ability to withdraw funds from the account, as well as replenish the deposit without restrictions. The promotional deposit can be made before the end of the current month. The minimum amount of the "Festive" deposit is

  May 14, 2019

• New Product

  Far Eastern Bank expanded the range of online deposits

  The Far East Bank's assets include new online deposit services. The maximum rate on the Millionaire Online deposit is 5.9% per annum. The rate is provided when placing funds for 12 or 18 months. The minimum amount to be placed within the product is 3 million rubles or 35 thousand USD/EUR.

  26 Apr 2019

• New Product

  "Uralsib" presented the deposit "Cranes"

  Bank "Uralsib" offers to issue a seasonal deposit "Cranes". As part of the program, free funds can be placed for up to 700 days (almost 2 years). The amount to be placed is from 50 thousand rubles. The deposit is non-replenishable. Debit transactions on the deposit account are prohibited. The yield of the deposit reaches 8% per annum. Connect to

  19 Feb 2019

• Analytics

  "Ring of the Urals": Tatiana - the most active contributors

  According to the Ring of the Urals bank, the name Tatyana is the most "money" female name in Russian Federation. Tatyana accounts for about 5% of all "female" deposits. The TOP-3 rating of the most active domestic depositors also includes Elena (4.2% of the total number of deposits) and Olga (3.8%). deposit portfolio Tatyan

  01 Feb 2019

• Actual

  Depositors of Pervomaisky will receive 6.1 billion rubles, RIB - 7.3 billion rubles

  On December 5, the State Corporation "Deposit Insurance Agency" will begin issuing through agency banks the money that the Russians kept on deposits in Pervomaisky and Russky Mortgage Bank. Recall that the regulator deprived the organization of a license at the end of autumn. Relevant notifications are posted on the DIA website. According to

  04 Dec 2018

• New Product

  ATB presented the ruble contribution "Moneybox!"

  Asia-Pacific Bank customers have a new way to save money. The main feature of the new deposit ATB "Kopilka!" – progressive income scale. The minimum rate of 7.2% per annum is provided when placing at least 50 thousand rubles on a deposit account. The maximum return of 7.5 percentage points is possible

  22 Nov 2018

• New Product

  Sberbank offers to open a "football" promotional deposit

  By the opening of the World Cup, which is taking place in our country, Sberbank has introduced a new deposit called Win. The rate of return within the deposit service is 6% per annum. The minimum deposit amount is set at 50 thousand rubles. Funds can be placed for six months. Initially, the "Win" deposit can be

  June 26, 2018

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

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

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

Banks offer additional operations for term deposits:

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

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

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

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

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

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

In which bank are profitable deposits today and how to find reliable offers at the maximum percentage per annum? Find the best interest rates on deposits and other parameters will help you our form "Deposit selection". This is a deposit calculator, with its help you can select not only profitable options, but also reliable banks for placement in 2019.

In 2019, among deposits in banks in Moscow, the most profitable high interest rate in rubles is on the deposit at the top (share in the NSZh 30-99.9%) in Gazprombank (JSC) - 9.50% per annum. The minimum deposit amount is 100,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best deposit in rubles.