It is worth considering that long-term investments are usually more profitable. Deposits with capitalization and the possibility of replenishment, as a rule, are the most.

Suppose that the initial amount is not enough to buy some thing. Then you need replenishment to save up for it. A certain part of the funds to the initial amount can be added from the salary. The amount will also grow, if you do not withdraw interest on the deposit, they will be added to the principal amount, and the accruals will go already to total amount. Also, when choosing a deposit, you should pay attention to the frequency of interest capitalization.

In this article:

Types of capitalization

By savings deposits calculated differently.

Capitalization is divided into three types, these are:

• Monthly interest accrual (most profitable).
• Quarterly billing.
• Calculation of payments at the end of the term (the least profitable).

For banks, the latter type of capitalization is preferable, since money can be used throughout the entire time.

Do you use savings to save money?

I useDo not use

If desired, the depositor can transfer the savings received from the account to a special account and use this money as passive income. For example, if you put one million rubles into your account, the amount of passive income, at a rate of 10% per annum, will be 10 thousand rubles per month. Funds from the special account can be withdrawn at any time.

Deposits with the highest interest rates

To date, the following deposits are considered products with the highest interest:

• "Loyalty to traditions" from Alef Bank.
• "Premium Rentier" from Transcapitalbank.
• "My Capital" from Finam Bank.
• "Savings" from Metallinvestbank.
• "Privilege" from Expobank.
• "Good deed" from AiMoneyBank.
• "Lucky Coin" from Ecoprombank and a number of others.

"Loyalty to traditions" from Alef Bank

The bank offers a rate of 11% per annum on a deposit in rubles. You can put an amount from 50 thousand to a million for a year.

If you place funds in foreign currency, the percentage will vary from 4.3 to 5 percent for the dollar and from 3.3 to 4 percent for the Euro. Interest is calculated monthly. Replenishment is possible. If necessary, you can withdraw part of the funds ahead of schedule, but at the same time, a minimum balance must remain on the account. In this case, there will be no loss of interest.

"Premium Rentier" from Transcapitalbank

The deposit rate ranges from 8.85 to 9.5 percent in rubles. The deposit amount is 50 million rubles or one million dollars or euros. The percentage is 0.75-1.9 and 0.5 to 1.65 percent for dollars and euros, respectively. Funds are placed for 183-370 days.

Reliable deposits in VTB-24

It is probably not worth risking when placing funds on a deposit by contacting a bank unfamiliar to you. Much more reliable is to turn to a trusted partner, although, of course, each of us decides this issue for himself. As a rule, the higher the interest on a bank deposit, the higher the risks for this product. Large reliable banks have also developed a number of interesting offers for their customers. For your savings placed here, you can be calm"

Popular deposit "Favorable"

There are currently no active options for Sberbank deposits with capitalization. But the bank offers a wide range of deposits on various conditions. You can apply for a deposit online or visit a bank branch.

Deposit calculator

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For example, a contribution called "Favorable" is popular.

You can make it both in and in the currency:

• In rubles maximum amount investment is one and a half million. Money can be deposited for a period of three months at 7.4%. Interest on the deposit can either be taken monthly or left on the account where they will be capitalized.
• The size of the deposit in US dollars is limited to fifty thousand, it can be made for a period of at least two years at 1.6%. If you intend to deposit money in the bank in Euros, the percentage of savings will be 0.01%. Funds are accepted for a period of at least three months, the amount is not more than three thousand Euros.

Partial withdrawal and replenishment of this deposit is not possible.

Deposits, where the entire amount is withdrawn at the end of the term, are convenient precisely as storage deposits. However, for some, an important advantage is not only the capitalization of interest, but also the possibility of replenishing the deposit.

Refillable deposit "Cumulative Online"

If you want to save a certain amount, it will certainly be important for you to be able to replenish yours, for example, after a salary. Such a deposit in VTB-24 is called Accumulative Online. The interest you receive on it is 7.1%. The deposit accepts an amount of one hundred thousand rubles and more. For a period of three months or more.

The online deposit calculator will help you quickly calculate the interest on any deposit, including those with capitalization, with replenishment and taxes, and will also show the interest calculation schedule. If you are planning to open a deposit, then the calculator will help you calculate the potential profitability in advance.

Interest capitalization

With an ordinary deposit, the bank pays the accrued interest to the depositor on a monthly basis (or at other intervals specified in the terms of the agreement). This is called "simple interest". Deposit with capitalization (or " compound interest”) is a condition under which accrued interest is not paid, but is added to the deposit amount, thus increasing it. The total income from the deposit in this case will be higher.

Using the deposit calculator, you can compare the calculation results of two identical deposits (with and without capitalization) and see the difference.

Effective interest rate on the deposit

This characteristic is relevant only for deposits with interest capitalization. Due to the fact that interest is not paid but is used to increase the amount of the deposit, it is obvious that if the amount of the deposit increases every month, then the newly accrued interest on this amount will also be higher, as well as the final income.

Calculation formula effective rate:

where
N - the number of interest payments during the term of the deposit,
T - term of deposit placement in months.

This formula is not universal. It is suitable only for deposits with capitalization once a month, the period of which contains an integer number of months. For other deposits (for example, a deposit for 100 days), this formula will not work.

However, there is a universal formula for calculating the effective rate. The disadvantage of this formula is that you can get the result only after calculating the interest on the deposit.

Effective rate = (P / S) * (365 / d) * 100

where
P - interest accrued for the entire period of the deposit,
S - deposit amount,
d - term of the deposit in days.

This formula is suitable for all deposits, with any terms and any periodicity of capitalization. She simply considers the ratio of income received to the initial amount of the contribution, bringing this value to annual interest. Only a small error can be present here if the deposit period or part of it fell on a leap year.

It is this method that is used to calculate the effective rate in the deposit calculator presented here.

Income tax on deposits

tax code Russian Federation provides for taxation of deposits in the following cases:

• If the interest rate on the ruble deposit exceeds the value of the key rate of the Central Bank of the Russian Federation at the time of conclusion or prolongation of the agreement, increased by 5 percentage points.
• If the interest rate on a foreign currency deposit exceeds 9% .

The tax rate is 35% for Russian residents and 30% for non-residents.

At the same time, not all income received from the deposit is taxed, but only a part received as a result of exceeding the interest rate on the deposit of the threshold rate. In order to calculate tax base(the taxable amount), you must first calculate the interest accrued at the nominal rate of the deposit, and then make a similar calculation at the threshold rate. The difference between these amounts will be the tax base. To get the amount of tax, it remains to multiply this amount by the tax rate.

Our deposit calculator will calculate your deposit including taxes.

Greetings! Today we will talk about bank deposits. An instrument that serious investors generally do not consider as an asset for investment due to its low profitability. But there are exceptions to every rule...

So, deposits with capitalization and replenishment: why, where and how much?

The first thing that begins with the compilation of any personal financial plan- not investments, but the formation of reserves! Because if you invest from scratch, you most likely will never get to ultimate goal. The investment fund will constantly be “washed out” for force majeure: urgent car repairs or a “last minute” ticket to Turkey.

Unforeseen expenses should be covered by:

• Insurance
• Financial reserve in the amount of expenses for 3-6 months

Unfortunately, interest rates currency deposits in Russia now is about 1% per annum. Therefore, it is better to invest large amounts in dollars and euros in assets abroad - the same, and.

The choice of a bank should be taken responsibly. My advice: focus on the TOP-15 largest banks in Russia. In September 2016 this includes: Sberbank, VTB 24, Gazprombank, FC Otkritie, Rosselkhozbank, Alfa-Bank, Moscow credit bank, Promsvyazbank, UniCredit Bank, Binbank, Raiffeisenbank and Rosbank.

Why only giant banks? Because the probability of their bankruptcy is several times lower than that of small regional banks. It is clear that deposits up to 1.4 million rubles are insured and will be paid through the DIA. But it will still take a lot of effort, nerves and time. And I don’t consider the difference of 1-3% per annum (especially for small amounts) to be so significant ...

In addition, large banks can offer a bunch of convenient additional services. And they also have much more branches, terminals, ATMs: both in Moscow and in other cities of Russia.

Current deposits with replenishment and capitalization

So you still decided to listen to my advice and open a bank deposit to create a financial reserve. What plans do you recommend?

Binbank "Monthly income"

You can open a deposit in the amount of 10,000 rubles for a period of three months to two years. The rate varies from 6.4% to 8.4% per annum. Acceptance of additional contributions is terminated 30 days before the end date of the deposit.

The deposit can also be opened in dollars or euros (from 300 USD). True, the yield on deposits in foreign currency will be symbolic: up to 1.95% and up to 1%, respectively.

If "Monthly Income" is opened through the "BINBANK-online" system, the rate increases by 0.5%. For pensioners, a bonus is provided: + 0.15% to the base rate.

• Peculiarity

One of the highest rates among major banks.

Rosselkhozbank

The “Cumulative” deposit can be opened in the amount of 3,000 rubles or 100 dollars / euros. It is allowed to replenish the deposit for the same amount at any time, but no later than 30 days before the end of the deposit period.

The yield in rubles is 6.40-7.25%, in dollars - 0.15-1.45%, in euros - 0.01-0.50% per annum. But if you open a deposit remotely, the interest rate will be slightly higher.

• Peculiarity

Free card with tariff plan"Amur tiger - a card for a deposit" (if the deposit amount is more than 50,000 rubles).

Alfa Bank

Here, a piggy bank with capitalization and without the right to partial withdrawal is called "Premier". The minimum entry fee is 10,000 rubles with a top-up of 5,000 rubles. You can open Premier for a period of three months to one year. As in other banks, the yield in Alfa-Bank depends on the amount and term of the deposit: from 5.8% to 7.2% per annum.

Under symbolic interest (up to 1.5% per annum) "Premier" can be opened in dollars and euros.

• Peculiarity

You can connect convenient services of automatic accumulation.

Sberbank of Russia

In Sberbank, the “piggy bank” is called “Replenish”. You can make a deposit in the amount of 1000 rubles with replenishment from the same thousand. The term of the deposit is selected in the range from three months to three years. By the way, non-cash replenishment by the amount is not limited at all (through the Internet bank, you can transfer one hundred and ten rubles to the deposit account).

Taking into account the capitalization of interest, the profitability of "Replenish" will be 5.68-6.5% per annum. In foreign currency, the maximum rate is 1.15% in dollars and 0.20% in euros.

When making a deposit through the Sberbank Online Internet bank, the yield will be higher by a couple of tenths of a percent.

• Peculiarity

The most affordable minimum amount on the market for opening a deposit.

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The problem of choosing the type of savings account is the most relevant for those who decide to entrust their money savings to the bank. The most profitable today are deposits with monthly interest capitalization in Moscow. This service has been offered by many over the past few years. financial institutions. The benefit of such a program is most clearly seen in the case when funds are placed on the account for a long period of time (for a year or more).

At its core, capitalization is a monthly or quarterly increase in the size of the investment due to the accrual of interest on the principal amount and on profit from it. Thus, the maximum income on the deposit is achieved. And even in the case when the interest rate on the capitalized account is lower than the standard one, the final profit will be higher until the end of the year.

It should also be noted that deposits that do not involve early partial withdrawal of funds are of particular benefit to customers.

Conditions for granting and opening procedure

Savings programs can be of several types:

The conditions for opening savings accounts are quite simple and concise. The client must meet only a few requirements:

Deposit programs in Moscow banks are characterized by the following parameters:

0.2 - minimum bid in % in Moscow in rubles;

7.43 - the maximum rate in% in the city in rubles;

0.01 - min rate in % in Moscow in foreign currency;

2 - max rate in % in the city in currency;

Savings account - the most profitable (with the highest rating) deposit in the city in rubles;

3 - the minimum rate in % of the most profitable deposit in rubles;

7.43 - maximum rate in % of the most profitable deposit in rubles;

1 - the minimum amount for making the most profitable deposit in rubles;

from 1 month - the placement period for the most profitable deposit in rubles;

Multicurrency Premium+ - the most profitable (with the highest rating) deposit in Moscow in foreign currency;

2 - min rate in % of the most profitable deposit in foreign currency;

2 - max rate in % of the most profitable deposit in foreign currency;

847500 - min amount for making the most profitable deposit in foreign currency;

370 days - placement period for the most profitable deposit in foreign currency;

To open a deposit high interest enough:

1. Go to the official website of the banking organization.

2. Study current offers.

3. Make a choice in favor of the most profitable program.

4. Complete and submit online application corresponding sample.

5. Visit the nearest branch of a financial company and conclude a cooperation agreement with it.

The ability to make a capitalized deposit allows you to effectively use the client's free funds. The advantages of such a program are: a convenient system for accumulating and increasing finances; creation of a reserve source of replenishment of the budget; storage security Money; obtaining the maximum profit.

Deposits with monthly interest capitalization are popular among bank customers. Against the background of classic deposit programs, they have a high yield. This is due to the fact that interest is accrued throughout the entire term of the contract and is periodically added to the principal amount of the deposit.

The most common are monthly, daily and quarterly capitalization. This means that interest, for example, is calculated at the end of each month and added to the amount of the deposit, and subsequently interest is calculated on interest, thus increasing the final profit.

For analysis, we selected the largest banks in the country with a good credit rating. The reliability factor is one of the most important when choosing a bank to place a deposit, because when entrusting their money to a credit institution, the client wants to be sure that he does not put his savings at risk.

Having studied the available proposals, we included in the rating Sberbank, VTB24, Gazprombank, Russian Agricultural Bank, Bank of Moscow, Alfa-Bank, Raiffeisenbank, Promsvyazbank, NOMOS-BANK, UniCredit Bank, Rosbank, Russian Standard, URALSIB, Home Credit Bank and Citibank. They are designated as systemically important and actively promote their deposit products.

The rating includes profitable deposits with capitalization, with the maximum interest rate in Russian rubles. The table shows the nominal rate without interest capitalization. For analysis, we took standard programs suitable for all categories of depositors, which can be issued at the bank office. Special offers, for example, for pensioners or students, we did not consider in the same way as online deposits. The table includes deposits with monthly interest capitalization (both replenished deposits and not), one from each bank (with the maximum rate).

Note!

We have selected for you the best offers from the largest banks in the country with a good credit rating.

Analysis results

During the analysis, we found that almost all credit organizations offer several programs with capitalization of interest in rubles, US dollars and euros. It turned out that only Citibank had no deposits with capitalization. In Sberbank, capitalization is possible for all programs, and the client independently chooses whether to withdraw interest or add it to the principal amount of the deposit. The interest rate usually depends on the term and amount of the deposit. At the same time, the minimum rate is 5.6% per annum (in Raiffeisenbank), and the maximum is 10% per annum (in Home Credit Bank).

Below we will consider in detail the terms of the deposits of the leaders of the rating.

Home Credit Bank

The Bank offers to open a deposit "Profitable Year" in rubles with a monthly capitalization (at the request of the client) and the highest rate among the other participants in the rating. The initial contribution to the deposit is only 1,000 rubles, the term is 12 months. It is possible to make additional contributions in the amount of 1,000 rubles, but not later than 90 days after the deposit is made. Withdrawal of part of the funds from the account is not provided for by the agreement. The interest rate does not depend on the amount of the deposit and is 10% per annum. In case of early termination of the deposit, the rate of 4.5% per annum applies.

Alfa Bank

In second place in the ranking is the Pobeda deposit with the highest rate among other Alfa-Bank deposits. The minimum amount of the initial deposit is 10,000 rubles, the placement period is 92, 184 or 276 days, 1 year, 550 days, 2 or 3 years. Deposit currency - rubles, US dollars and euros. Interest is calculated monthly and added to the principal amount of the deposit (capitalised). The nominal rate depends on the term, the amount and is 6.6-9.5 percent per annum in rubles. The possibility of withdrawing part of the funds and replenishing the account is not provided for by the agreement.

VTB 24

In third place in the ranking is the deposit " Optimal choice» in rubles. The client independently decides whether to receive interest on a separate account or add it to the deposit amount. The frequency of interest calculation is also chosen by the depositor. You can receive interest monthly, quarterly or at the end of the term. Additional contributions in the amount of 1,000 rubles are accepted. Only capitalized interest is allowed to be withdrawn from the account.

The interest rate depends on the term and amount of the deposit. During the period of placement of funds, the rate decreases. The term of the contract is 18 months, the amount of the down payment is 30,000 rubles. Interest rate for up to 180 days - 9% per annum, from 181 days to 545 days - 5% per annum.

URALSIB

The fourth place in the rating is occupied by the "Stable" deposit in Russian rubles, US dollars and euros. The minimum amount of placement of funds is 10,000 rubles, the term is 91, 181, 271, 367, 541, 732, 1100 days. It is possible to replenish the account during the term of the contract. However, when making additional contributions, restrictions apply, which can be found on the bank's website.

The minimum amount of the additional contribution is 5,000 rubles. When moving to the next sum gradation, the rate increases. Interest is calculated monthly and, at the request of the investor, capitalized or paid to a separate account. The interest rate depends on the term, the amount of the deposit and is 6.7-9 percent per annum.

Rosselkhozbank

In fifth place in the table is the "Classic" deposit in rubles, US dollars and euros. The minimum amount of the down payment is 3,000 rubles, the term is from 31 to 1460 days. Interest is paid at the choice of the client: at the end of the term or monthly, to a separate account or added to the principal amount of the deposit. Replenishment of the deposit and withdrawal of part of the funds from the account are not provided for by the agreement. The interest rate depends on the term, the amount of the deposit, the method of placing the deposit and the frequency of interest payments. Subject to payment of interest at the end of the term, the rate ranges from 6.5% to 9.9% per annum, and with monthly payment of interest and capitalization - from 6.5% to 8.80%.