List of banks and interest rates on deposits. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals

A deposit or the so-called "deposit" is the money that the client places in the bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow, the best interest rates on ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals in Moscow differ in terms, currency and rate, there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

Both small and larger reliable banks in Moscow in 2020 offer several additional opportunities for term deposits and deposits with maximum and low interest rates for individuals:

partial withdrawal and replenishment funds on a deposit account gives the client the opportunity to use the money without breaking the contract with the bank;
capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is charged not only on the amount of the initial deposit, but also on the added interest;
automatic prolongation- automatic extension of the contract if the depositor does not withdraw the deposit at the end of the term.

To make the best deposit in rubles or foreign currency at a favorable rate at a bank in Moscow, consider these three points.

Depending on the currency used, time deposits are divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most profitable deposits in Moscow banks in terms of interest rate are currently offered in Russian rubles.

Investment in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income with an increase in the exchange rate against the ruble. So you can get the best income from the deposit in 2020.

Most Russian banks offer foreign currency deposits in dollars and euros; deposits in other currencies are rare. You can compare currency quotes on our website in the Exchange rates section. However, there are few offers of deposits at a good interest in these currencies, since the demand for them is low.

What kind of contribution to choose for a pensioner, student or middle-aged person? The form "Choice of deposit" will help you to choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

In 2020, among deposits in banks in Moscow, the most profitable high interest rate in rubles at the deposit Deposit Sure Choice Tavrichesky Bank in the bank Bank "Tavrichesky" (PJSC) - 8.20% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit in Moscow with the maximum rate in rubles.

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of the effective ways to increase the amount of savings are deposits. Many banking organizations offer to open them, of course, on different conditions. How to choose profitable deposits for yourself, we will discuss today.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement on placing money in rubles or another currency in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP-20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

We also immediately note important information: all data relating to interest rates and opening conditions are obtained from the official websites of banking organizations. It can change, be supplemented, this is the prerogative of banks.

Tinkoff bank

Minimum deposit- 50,000 rubles;
Minimum placement period- 3 months;
Maximum placement period– 24 months;
Minimum % rate – 5,5%
Maximum % rate – 8,8%;
Accrual %- on a deposit or, at the request of the client, on a card;
Replenishment– regardless of time, via the Internet;
Removal in parts- whatever time suits you.

Summary: convenience of opening, the ability to withdraw and replenish the account at any time, quite a lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner of a bank debit card. It is also possible to open a deposit in different currencies.

Minimum deposit- 1 ruble (depending on the type of deposit being opened);
Minimum placement period– 30 days (“Save” deposit);
Maximum placement period– 36 months;
Minimum % rate – 3%;
Maximum % rate – 7%;
Accrual of % - occurs depending on the type of deposit;
Replenishment - maybe;
Removal in parts– is allowed.

Summary: the bank is certainly reliable, stable, supported by the state. Participates in the deposit insurance system, you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB 24

Minimum deposit- 200,000 rubles;
Minimum placement period- 90 days;
Maximum placement period– 60 months;
Minimum % rate – 4,10%;
Maximum % rate – 7,4%;
Accrual of % - every month;
Replenishment - maybe;
Removal in parts– possible (Comfortable tab).

Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be considered a negative side. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

Minimum deposit- 10 rubles (deposit "On Demand");
Minimum placement period– depends on the type of deposit;
Maximum placement period– depends on the type of deposit;
Minimum % rate – 0,01%
Maximum % rate- 8.75% (deposit "Investment");
Accrual of % - every month;
Replenishment - yes, on deposits "Managed", "Cumulative", "Pension income"
Removal in parts– yes, on deposits “On Demand” and “Managed”.

Summary: the amount of the down payment is available to everyone, there are no restrictions on the terms of the deposit.

Minimum deposit- 1000 rubles;
Minimum placement period- 3 months;
Maximum placement period- 2 years;
Minimum % rate – 7,25%
Maximum % rate – 9,0%
Accrual of % - at your choice (every month or capitalization);
Replenishment - maybe;
Removal in parts- not for all types of deposits.

Summary: not all deposits are available for replenishment, cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

Minimum deposit- 100 rubles (on the "Pension" deposit);
Minimum placement period- 90 days;
Maximum placement period-1095 days;
Minimum % rate - 0.01% (on demand deposit)
Maximum % rate- 7.8% (on the "Vacation" deposit);
Accrual of % - at the end of the term;
Replenishment - Yes;
Partial removal - only on the "Dynamic" deposit.

Summary: a bank participating in the deposit insurance system, there is the possibility of personal counseling.

Minimum deposit – 10,000 rubles;
Minimum placement period – 3 months;
2 years;
Minimum % rate – 6,5%;
Maximum % rate – 7,35%;
Accrual % – daily, monthly;
Replenishment - yes, it is possible;
Removal in parts – yes, it is possible.

Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, a relatively small minimum contribution.

Bank opening

Minimum deposit – 50,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – 2 years;
Minimum % rate – depends on the type of deposit;
Maximum % rate – 8%;
Accrual % – 1 time per month (capitalization available);
Replenishment - maybe;
Partial removal - perhaps on the Free Governance deposit.

Summary: there is an opportunity to replenish the deposit amount, online opening is available.

Alfa Bank

Minimum deposit – 10,000 rubles;
Minimum placement period – 3 months;
Maximum placement period - more than 3 years;
Minimum % rate – 4,5%;
Maximum % rate – 7.2% on the Pobeda + deposit;
Accrual % – every month;
Replenishment - Yes;
Partial removal - Yes.

Summary: there is the possibility of earning a serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.

Minimum deposit – 30,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 36 months;
Minimum % rate – 5%;
Maximum % rate – 8,5%;
Accrual % – every month;
Replenishment - yes, according to the “Always at hand” deposit;
Removal in parts – maybe.

Summary: it is possible to make a minimum contribution in several payments, there is the possibility of monthly replenishment.

Minimum deposit- 10,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,0%;
Maximum % rate – 9%;
Accrual % – at the end of the contract;
Replenishment - Yes;
Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

Minimum deposit – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 4 years;
Minimum % rate – 5% (on deposits in gold and silver);
Maximum % rate – 9%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – available.

Summary: a small amount of the first installment, the choice of deposits is wide.

Minimum deposit – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 7,4%;
Maximum % rate – 8,3%;
Accrual % - 1 time per month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: the bank raises the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.

Minimum deposit – 10,000 rubles;
Minimum placement period – 366 days;
Maximum placement period – 366 days;
Minimum % rate – 6,3%;
Maximum % rate – 8,10%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive% every month.

Minimum deposit – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 36 months;
Minimum % rate - 7,0%;
Maximum % rate – 8.22% (if you deposit 3 million rubles);
Accrual % – 1 time per month or at the end of the term;
Replenishment - Yes;
Removal in parts – no.

Summary: opening is available in rubles and in foreign currency, you cannot partially withdraw money, but at the same time you can replenish the entire line.

Minimum deposit – 5000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 1 year;
Minimum % rate – 7,5%;
Maximum % rate – 8.25% ("Capital");
Accrual % – every month, every quarter;
Replenishment - Yes;
Removal in parts – Yes.

Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.

Minimum deposit – 5000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,5%;
Maximum % rate – 8,6%;
Accrual % – daily (if the deposit "On Demand" is opened);
Replenishment - Yes;
Removal in parts – Yes.

Summary: you can replenish open deposits and withdraw part of the funds.

Bank "Ugra

Minimum deposit – 100 rubles;
Minimum placement period – 61 days (according to the "Special client" deposit)
Maximum placement period – 36 months;
Minimum % rate – 6%;
Maximum % rate – 10%;
Accrual % – 1 time per month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: deposits can be replenished and withdrawn in parts, initially you can deposit a small amount.

Bank Uralsib

Minimum deposit – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 6,1%;
Maximum % rate – 9,0%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: banking institution offers a wide range of deposits, there are plenty to choose from.

Minimum deposit – 30,000 rubles;
Minimum placement period – 91 days;
Maximum placement period – 720 days;
Minimum % rate – 6,5;
Maximum % rate – 8,5%;
Accrual % – every quarter, at the end of the term;
Replenishment - permissible;
Removal in parts – Yes.

Summary: the bank offers a fairly wide choice, when opening in the Internet bank, the percentage is slightly higher.

Comparative table for all banks

banking institution	Deposit maximum	Fee for opening	Possibility of withdrawal/replenishment
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz Bank	9%	10 000 rubles	Yes Yes
Tinkoff bank	8,8%	50 000 rubles	Yes Yes
8,7%	10 rubles	Yes Yes
8,6%	5000 rubles	Yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	Yes Yes
8,3%	1000 rubles	Yes Yes
8,25%	5000 rubles	Yes Yes
Home credit bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	Yes Yes
Bank opening	8%	50 000 rubles	Yes Yes
7,8%	100 rubles	Yes Yes
VTB 24	7,4%	200 000 rubles	Yes Yes
7,3%	10 000 rubles	Yes Yes
Alfa Bank	7,2%	10 000 rubles	Yes Yes
7,0%	1 ruble	Yes Yes

In the next part of our conversation, we will consider how to properly compare contributions.

How to compare different deposits

It is clear that the most important indicator for comparison, most people consider the interest rate. But no less important are the indicators that we have already considered in the table above: the ability to withdraw money and replenish the account.

The level of income that you receive on a deposit depends primarily on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Interest rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that at present, opening deposits without visiting a bank office, online or through an ATM, is becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – actually below.

There is one more criterion for comparison: the size of the minimum and maximum contributions. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with debit transactions. In simple terms, this means that if you withdraw funds partially, this amount must remain in the account.

You cannot withdraw more than this amount, you will lose everything that was accrued. This is especially important for investors who have small amounts of funds, invest them in order to withdraw the maximum at any time.

Purposes of deposit placement

It would seem that nothing complicated: you open a deposit so as not to lose money, save it, and also increase its amount. But there are a number of other goals as well. Let's talk about them.

1. Earn.

Don't be surprised, it's entirely possible. Often, banking organizations hold promotions of a different nature. If circumstances go well, you can get additional income.

2. Get benefits.

Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, preferential terms for mortgage lending will apply. Imagine, there are not so few who want to.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose almost any type of contribution - all of them will help with this. Keeping money in a box at home is not the best option, sooner or later inflation will eat it up, and no one is safe from thieves.

4. Save up for a big purchase.

We all know that there are people who do not have money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but there is none.

In this case, a bank deposit comes to the rescue. And it is better such that it was impossible to withdraw money ahead of schedule. Then it will work.

And now let's talk in more detail about what deposits generally exist and how they are classified.

What are the contributions

In order to attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more new ones. We will now consider the most popular types of deposits for us - ordinary people.

All contributions can be divided into 2 categories: urgent and poste restante. Term deposits are opened for a certain time, demand deposits do not have a specific period.

Savings.

It should be noted that the highest rates are for this group. In addition, such deposits are not always allowed to withdraw money, as well as deposit funds into the account.

Estimated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. Another such contribution is called universal.

Cumulative.

Provided for such clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to open to certain groups of clients. This includes contributions for students, pensioners and so on.

By seasons.

Dedicated to some time of the year. They often have quite high rates, but there is no rollover option.

Mortgage.

Designed for those who want to independently save up for a down payment on a mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be directed to pay the mortgage fee. Now in the Russian Federation such a deposit is not found in all banking institutions.

indexed.

This deposit belongs to the term term category and is tied to a change in the value of an asset. The asset can be the dollar, securities, precious metals, and so on.

Multicurrency.

The meaning of such a deposit is that the funds are stored in various currencies: most often these are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. Commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.

Baby.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds into it only in cash. When opening such a deposit, the client can count on the complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid to lose it will take a decent amount of time.

To make this task a little easier, here are a few tips:

Don't ignore other people's feedback. Familiarize yourself with them, it will definitely not be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
Examine the information in the media for publications about the bank in a negative way.
When visiting a bank, check how interest rates work on deposits: if they are too high, this is a reason to be wary;
You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language, you do not need to be an expert in the field of economics to understand the topic;
Find out if the bank has branches and branches;
An important selection criterion is the bank's participation in the state deposit insurance system. This information is freely available on the Internet, it will not be a problem to find it.
On the official website of the Central Bank of the Russian Federation, you can view information related to the reporting of banking organizations. Here the only negative is that it is difficult for an ordinary person to understand it, the help of a specialist is required.
An important indicator is the amount.
You can ask about the ratings of the bank, they are published by special agencies. Of course, it is difficult to keep track of them, but it is quite possible to use as additional information.
An indirect sign that the bank is not doing well is frequent failures in the implementation of various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential depositor to adequately assess the reliability of the chosen banking organization.

Mistakes, by the way, are allowed the most banal:

Choosing the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If your goal is only this, you are better off using another financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
Excessive trust in bank specialists. Even if the employee speaks convincingly and beautifully, his words must be confirmed by something. Stable and reliable institutions provide clients with all publicly available information.
Opening a deposit in a servicing banking organization. Often, depositors trust their funds to the bank where they receive a salary or other types of permanent payments. This is convenient, but you do not need to carry all the money to one institution, it is better to distribute it over several.
Following untested recommendations. The experience of your friends and relatives is important, but you should not blindly follow it. They are based most often on the opinion of a particular person, and not on the actual state of affairs.

Summing up a little, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.

State deposit insurance

Thanks to the introduction of this system, a person can return his money, even if the bank is recognized or his license has been revoked.

In 2017, deposits up to RUB 1,400,000 were insured. If you have deposits in several banks and all these credit organizations have gone bankrupt, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the exchange rate that is valid on the date of revocation of the license from the bank. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without voicing a reason, may refuse to open a deposit to a client.

This happens infrequently, and the reasons may be of the following nature:

Client under 14 years of age;
The client does not have the opportunity to present a passport or other document that will prove his identity;
A citizen of another state wants to open a deposit, who cannot confirm his right to be in the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for their safety. We propose to analyze the lines of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

personal income tax and deposits of individuals

Most of the deposit programs do not require payment. The tax will be charged only if the level of income exceeds the established by law. But this year, banking organizations have lowered deposit rates due to the fact that insurance rates have risen. So, a high level of profitability is not to be expected.

You may ask: do you have to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course, make the payment. But if within 3 years you have not been notified about this, you can not pay.

Deposit interest: how to calculate

To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of a banking organization. Before you trust your hard-earned money to the bank, try calculating the interest yourself. It may seem complicated to you, but we will try to explain how to do it in the simplest possible way.

First of all, you should not completely trust the calculation of the deposit calculator.

They will not show real results, because:

Their functionality is meager, the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
Calculate everything before you decide on the bank and type of deposit. This is necessary for evaluating and comparing different offers.
If you have any questions, please contact the bank consultants, they will clarify all the necessary points.

And now let's go directly to the terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

Under the concept of% on the deposit understand the amount that the bank pays to its client for the use of his money.

The rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.

If we are talking about a simple method of accruing%, then they are not added to the deposit amount, but are transferred to the depositor's open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has grown, which means that the total profitability is also growing.

Formulas

We calculate interest in the case of simple accrual:

S = (P x I x t / K) / 100, where:

S - accrued%;
P is the amount you deposit;
I - deposit rate for the year;
t - number of days for which % will be calculated;
K - number of days per year (do not forget about leap years).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. Calculation of % is simple. After the end of the deposit period, O.'s income will be: (200,000 * 9.5 * 365 / 365) / 100 \u003d 19,000 rubles.

If complex interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, where:

S - accrued%;
P - the amount you deposited;
I - % on the deposit for the year;
j is the number of days in the billing period;
K is the number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the expiration of the deposit period, O.'s income will be: (200,000 * 9.5 * 180 / 365) / 100 \u003d 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

Under the current economic conditions, depositors prefer to keep some of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.

In addition, there is one more subtlety: the DIA starts insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What are the risks for investors

This is an important question that cannot be left unanswered. After all, everyone knows very well that any medal has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss the possible risks.

The most common are the following:

The banking organization has been declared bankrupt;
Payment of personal income tax;
Increase in rates for deposits opened for a long time;
Liquidity risk;
Reinvestment risks.

And now a little more.

The bank has been declared bankrupt.

To somewhat reduce the possibility of such a situation, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return the money to you.

Payment of VAT.

This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum, for a period of 36 months, and a year later the rate has become 12%, you lose 3% of income.

Liquidity.

Such a risk arises if you terminate the term deposit agreement ahead of time. It is better to open a deposit, where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months, at a rate of 10%. You plan to reinvest these funds. But after 6 months, the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Deposit Fraud

Recently, revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people turned to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.

What is the point of this scam? It turned out that banking organizations stole money from the accounts of their depositors. Double bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts, there was nothing to compensate.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize by itself.

Proceed according to this algorithm:

Apply to a banking organization with an application for insurance compensation, attaching the documents that you have on hand;
The application from the bank is submitted to the Insurance Agency;
The agency registers it and reviews it;
If the decision is positive, the register of payments will be amended;
As a result, you will receive your money in full.

Of course, this procedure will make you spend not only time, but also nerves. Although, most likely, the outcome will be positive.

You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose the right bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

What kind of deposit should be opened in a bank? What steps do you need to take to open online? You will find the answer to this question in the "Deposits" section of the Banki.ru portal. in rubles and foreign exchange, changes in interest rates, insurance - this is the information necessary for each client - an individual. After all, in order to get the desired income, you need to choose the right deposit.

On our site, the rates are updated daily. You can get and compare up-to-date information about the types of bank deposits: multi-currency, investment, etc.

No less important for many consumers is the procedure for paying income by the bank: some are interested in deposits with monthly interest payments, while others are interested in receiving everything at once at the end of the term. Opening conditions for different banks may vary. Having carefully studied all the current offers for individuals, you can easily decide which bank to open.

You will also learn about what the very concept of a bank deposit is, what clauses are especially important in an agreement, how the insurance system works, how to receive compensation in case of revocation of a license from a credit institution, and how to choose the best, most profitable term deposit with a high interest rate. Now the most popular among the population are deposits in, and not deposits in and. At the same time, a certain part of citizens prefers to choose a multi-currency deposit and insure against losses in case of a sharp change in rates. All offers displayed on this page are the best or profitable only in the opinion of Banki.ru experts.

How to choose a profitable investment?

Pay attention to the parameters:

Interest capitalization – whether the amount of interest accrued for the previous month is included in the deposit amount.
Replenishment - whether additional amounts can be deposited into the account.
Interest payment - at the end of the term or every month.

What is the most favorable deposit rate on 03/29/2020?

The most favorable rate is 8.7% per annum.

How many offers are valid today?

The site presents deposits from 322 largest Russian banks.

The retail giant traditionally leads the market -. However, there are many "under" offers from many credit organizations, and you will be able to find the bank that best suits your needs. The data on our website is a guarantee that you will always be up to date with the latest changes, you will be able to compare bank offers and place your money savings with the maximum benefit by choosing exactly the deposit that you really need.

Users of the Banki.ru portal from different regions of Russia can pick up profitable deposits and send them for opening on special conditions. View the rating of offers from Banki.ru experts

Content

Keep money in the Savings bank, if you have any! A quote from Gaidai's comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate is not a very profitable investment now, foreign currency periodically becomes cheaper against the ruble, and it is dangerous to keep banknotes at home. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, on a deposit or savings account. The index of confidence in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however, there is the concept of the average bank interest rate, which is set by the Central Bank:

The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other metrics are also monitored.
The average interest rates on deposits in 2019 are 10.82%, which is 0.3% higher than in the previous 2016.
The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients' money.

Interest on pension deposits

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on top-up pension deposits, similar to a savings account, but at a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishable deposit for 3 years, 3.5% per annum, "Keep" - non-replenishable, rate 5.6% (when opening an account online - up to 6.13%), "Replenish" - 5.12% ( online - 5.63%). There is a "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension - 7.75%.

Interest on ruble deposits

The main share of bank deposits is made up of ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:

Sberbank is positioned as reliable and does not offer annual interest of more than 8.1, but the minimum amount starts from 1,000 rubles.
VTB24 offers to open a deposit with a margin of up to 11% per annum, but without a withdrawal or replenishment function.
Alfa Bank also keeps the bar around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, promoted players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial institutions, but along with an increase in the percentage, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank should not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The best programs for Moscow banks:

"With the maximum rate" - 8%, Uralsib;
"Vlad to the Future" - 10%, BinBank;
"Partner" - 8%, Nevsky Bank;
"Maximum income" - up to 8.4% of Sovcombank;
"All Inclusive Maximum Income" - 8.5% from the establishment of the Moscow Credit Bank;
"Financial protection", in euro, 3.5% - Promsvyazbank;
“For life”, in euros, 3% - UniCredit Bank;
"Tradition of success", in euro, 2.5% - Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

the intensity of issuing loans, which constitute the main profit of institutions;
high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
deposits with compound interest initially offer a lower return than those with a simple rate.

Large players in the financial market do not stimulate profitability, preferring to attract clients with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on a percentage, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the "big three" - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, while taking into account:

analysis of the work of a credit institution by the Central Bank, while taking into account the value of its own capital;
customer reviews about the work of the institution;
verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks looks like this this year:

Magnus - 8% per annum from J&T Bank;
"Solid interest" - 8% from 3 months. Promsvyazbank;
"PRIME" - 8.13% - 3 months-year from UniCreditBank;
"150 years of reliability" - 8.2% for 3 months. from Rosbank;
"Promising" - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenished deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may be interesting:

"Solid" - 10.5% for 550 days from GazTransBank;
"Maximum" - 10.5% from 9 to 36 months, Dolinsk Bank;
"Loyalty to traditions Premium" - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
"According to the Europlan" - 10% per year from BinBank Stolitsa;
"Safe" - 10% per year from the bank "Interaction".

Sberbank deposit rates for today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

"Memory of generations" - the minimum deposit is 10,000 rubles. the rate is 6.4-7%, and part of the profit is transferred to the Assistance Fund for Veterans of War.
"Save Online" - can be done in any currency. A small minimum amount - only 1000 r. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

"Manage!" - replenishable, it is possible to issue it online. Percentages range from 3 to 5.85.
"Give Life" - part of the income is donated to the Fund of the same name. Term - 1 year, rate - 5.3%, without replenishment.
"Savings" - a regular account with a minimum percentage of 2.3 per annum. There are deposits and early withdrawals.
"Savings Certificate" - a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

Bank VTB 24

This bank has a share of public money, so its reliability is fully justified. The interest on the deposit today, VTB 24 Bank offers low, which is offset by favorable conditions:

"Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
"Cumulative" - from 200,000 rubles. for 3 months and more, the percentage is up to 6.95, there is a capitalization of income;
“Comfortable” - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount is from 200,000 rubles, there is the possibility of partial withdrawal.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a "people's bank" with advantageous offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9% depending on the duration and size:

"Investment" - from 50,000 rubles, 8.75%, payment of profits - at the end of the term (six months, a year);
"Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15,000,000 rubles;
"Classic" - profit 7.95% per annum, interest payment - to choose from, the minimum amount is 3000 rubles.

Deposit in Alfa-bank

The interest rate of a deposit in Alfa-Bank is comparable to competitors, but the popularity of a financial institution is great. Now clients are offered:

"Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
"Victory +" - a contribution for six months, up to 7.3% and a deposit amount of 50,000 rubles;
"Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
"Premier+" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post Bank

Post Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of a major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were served by Post-Bank. Aggressive advertising campaign involving well-known actors is doing its job, the bank is constantly calling to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits at Post Bank, and all deposits are subject to insurance:

"Seasonal" - for a year with the placement amount from 50,000 rubles. The rate is 8.25% with the payment of profit at the end of the term, pensioners receive 8.5% per annum.
"Capital" - for six months or a year up to 8.25% plus a card as a gift.
"Cumulative" - a replenishable deposit up to 7.5% and a minimum amount of 5000 rubles. possible early closure and capitalization of interest once a quarter.
"Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or a personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It is worth noting that today the leaders among credit organizations do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

Bank's name		Interest	Deposit conditions
BaltinvestBank			No replenishment, interest payment at the end, no early withdrawal.
Russian standard	Max percentage		Payment of profit at the end, without replenishment and early withdrawal.
MosOblBank	Personal		Monthly payment of profit, replenished, without withdrawal.
	Fixed income		Refillable (if agreed in advance, with preferential commission for early withdrawal), payment of profit every month.
BinBank

A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Moscow bank deposit rates

Since interest on deposits in Moscow largely determines how much the deposit will be added to the original, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.

Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
termless or short - term deposits are usually accompanied by lower deposit rates in Moscow banks .

Thus, if you want to open a deposit at high interest, then try to correctly plan your budget in order to be ready to comply with certain restrictions:

a ban on closing a bank deposit in Moscow ahead of schedule;
prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. There are several options:

daily;
once a week;
once a month;
once a quarter;
only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

The deposit calculator on this page will help you quickly get all the necessary information on current deposits: