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Comprehensive examination: who will be interested in your credit history

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• New Product

  Bank Rossiya presents the Spring Mood deposit

  Bank Rossiya customers got the opportunity to make a seasonal deposit called Spring Mood with a yield of up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be issued for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.

  March 06, 2020

• Changing rates

  Energobank has revised the conditions for deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the "Pension Mood" deposit currently reaches 5.1% per annum. The minimum amount of placement under the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the "Convenient" deposit is now 4.7% per annum.

  18 Feb 2020

• New Product

  Expobank presented the Bright Winter deposit

  The line of deposit services of Expobank was replenished with the seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on placed funds: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. The minimum amount to be placed within

  10 Dec 2019

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

  Mortgages in Sovcombank can now be issued at a rate of 8.69% per annum. The amount of a housing loan is not more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to issue a loan on two documents. A loan application is considered within 1 business day. For deposits

  19 Nov 2019

• New Product

  Roscosmosbank presented new deposits for individuals

  Roscosmosbank customers can take advantage of two new deposit programs of the financial institution. The Comfortable deposit at the Head Office and at the Cosmodrome-Plesetsk branch can be issued on the following terms: The minimum placement amount is 30 thousand rubles or 500 dollars / euro. 365 days.Maximum

  July 11, 2019

• banking discussions

  RF Armed Forces: disputed deposit case

  The Supreme Court did not agree with the arguments of the manager about the absence of an agreement between Belous and Ekaterininsky. At the meeting, the plaintiff said that he had personally communicated with the president of the bank regarding the opening of deposits. In his office, he handed over the money and received cash receipts. He signed the contracts that were offered to him, and he

  03 May 2019

• New Product

  "Vozrozhdeniye" presents the contribution "Double Benefit"

  Vozrozhdenie Bank offers to issue a Double Benefit deposit. The maximum yield of the new deposit service is 7.98% per annum (including capitalization). The rate is provided when placing funds for 1 year. The minimum amount for placement is 50 thousand rubles. The "Double Benefit" deposit is issued after the conclusion of the agreement

  01 Apr 2019

• Actual

  Last year, in order to attract depositors, some Russian banks set favorable conditions, and then “tightened the screws”. This practice attracted the attention of supervisory authorities - the Central Bank and the Federal Antimonopoly Service, which prepared a joint letter of warning to credit institutions. Antimonopoly and the regulator find it wrong

  11 Jan 2019

Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest on deposits? The website agency experts analyzed the proposals of the largest banks in the country, compiling a review of deposits in rubles with favorable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest money to earn passive income. You can buy a currency and wait for it to rise in price, you can earn money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way of investing savings in Russia.

Choosing the most profitable deposit: what to look for

When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts of the agency website tried to do this by examining the conditions for deposits in Russian rubles for individuals in reliable banks.

What deposits in reliable Russian banks are the most profitable today

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of deposits in different banks “to a common denominator”, we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared the rates in the largest Russian banks on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).

The most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FK Otkritie

Deposit "Reliable"

Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.

Promsvyazbank

Deposit "My income"

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Savings account deposit

Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.

Post-bank

Deposit "Capital"

Without replenishment / Without partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

Contribution "Save"

Interest rate

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

Today, Moscow banks offer a large number of different types of profitable deposits for individuals. But all of them can be divided into several groups:

✓ term deposits with the highest interest. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish your account.

✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw funds from the account and not lose profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.

Why are deposits with monthly interest withdrawals profitable today?

Many today talk about the need to create a so-called "passive income". Deposits with monthly interest is one of the forms of obtaining such income.

They are also called "rental", because in their principle of operation they are similar to making a profit from renting an apartment.

In order to receive a decent income every month, you need to invest a large amount at once. Therefore, when choosing a bank for such a deposit, it is important to consider not only the percentage, but also the reliability of the investment.

What are the most profitable deposits with monthly interest payments today?

In this review, the correspondents of the site have collected the most profitable deposits with monthly interest payments offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles or more and for a period of 1 year.

Deposits with monthly interest withdrawal in banks from the top 10

Deposit "Simple and profitable"

Replenishment / Without partial withdrawal / Without capitalization / % monthly

Deposit "Regular income"

Deposit "Profitable"

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution " save»

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution "For life"

Post-bank

Deposit "Profitable"

Replenishment / Without partial withdrawal / Capitalization / % monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals

The longer the term of the deposit, the greater the difference in profitability on deposits with capitalization and payment of interest on the account. Banks' offers with interest payments to another account, that is, without capitalization, are of interest to those who want to use the income from the deposit to finance their current expenses, - explains Anastasia Gileva, manager of the Absolut-Bank operating office in Ufa.

Are deposits with monthly interest withdrawals insured?

Yes. Individuals' funds held in the bank in deposits and accounts, including foreign currency, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the exchange rate set by the Bank of Russia on the day of the insured event.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and DIA (www.asv.org.ru), as well as on the free DIA hotline 8-800-200-08-05 .

Conclusion: deposits with monthly interest or capitalization?

Deposits with monthly interest accrual can be of two types: with capitalization or payment of income to a separate account.

✓ Deposits with capitalization are beneficial in that the real yield on them is higher due to the constant increase in the amount of the deposit due to the addition of interest.

✓ Monthly interest payments are required for those who plan to spend the income from the deposit. This is an alternative to receiving passive income from the rental of real estate. As a rule, money is transferred to a separate account or card, so that it is convenient to withdraw it, says Viktor Davidenko, an expert on the site for deposit programs.

Note that the above conditions and interest rates of deposits for individuals are not a public offer, and cannot serve as an indication for choosing a specific deposit. This list is not a basis for unambiguous conclusions about the reliability and (or) financial stability of these banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions made on its basis.

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

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

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

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

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

Additional Criteria

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

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

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

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

Which banks have the highest interest rates?

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

№	Bank and program	Interest rate	Deposit term	Deposit amount	Currency
1	Opening "High Interest"	to 10%	1 year	from 50 thousand	not provided
	- the shorter the term, the greater the percentage: 3 months. — 10%, 6 months. — 8%, 9 months. — 6%, 12 months. - five%; - the deposit cannot be replenished; – interest is paid after the completion of the contract; – after the expiration of the contract, if the deposit is not was issued, it is prolonged on the terms of the deposit “Main income".
2	VTB 24 Savings account	up to 8.5% basic; up to 10% with VTB Multicard	1 year	any amount	not provided
	— when opening Multicard and enabling the function "Savings" can receive an increased percentage, provided payments on the issued card; — the savings account can be replenished and withdrawn without loss of interest; - the more you spend on the card, the greater the increase will be rates.
3	NS Bank "Investment"	9%	6 months	from 100 thousand to 10 million rubles.	not provided
	- interest can only be received at the end of the term contracts; - the deposit is intended for clients who have issued an ILI policy or NSJ.
4	GazpromBank Savings and Protection	6,7-8,8%	3.6, 12 months	from 50 thousand rubles	not provided
	- interest is paid at the end of the term; - the deposit cannot be extended; - the shorter the term of the deposit, the higher the percentage.
5	SovcomBank "Maximum income"	6,9-8,6%	from 1 month up to 3 years	from 30 thousand rubles	not provided
	— the maximum rate is set in case of regular using the Halva card with a monthly purchase amount of 5 thousand roubles.; — replenishment of the deposit is provided; - interest is charged only at the end of the term, including additional 0.5% for Halva settlements.
6	BinBank "Maximum Interest"	from 7.05 to 8.3%	from 3 to 24 months	from 10 thousand to 30 million rubles.	-dollar (from 300 at a rate of 0.55-1.65%); - euro (from 300 at a rate of 0.25-0.8%).
	- all interest can be received only at the end of the term; — possible prolongation of the deposit; — when opening a deposit in rubles, an additional an increase in interest for pensioners (+0.15%) and an increase rates by 0.3% when using an online application.
7	Promsvyazbank "My income"	8,1-8,3%	3-12 months	from 100 thousand rubles	-dollar (from 1 thousand at a rate of 1.2-2.85%); - euro (from 1 thousand at a rate of 0.5-1.2%).
	- the possibility of early termination of the contract is provided with the stipulated preferential rate; – it is possible to prolong the contract automatically (not more than 3 times); - interest is paid at the end of the term.
8	Rosselkhozbank "Investment"	7,8-8,05%	6, 12 months	from 50 thousand rubles	- dollar (from 1 thousand at a rate of 1.4 to 2.4%).
	- the deposit is opened for a period of 180 or 395 days; – the deposit can be opened together with the purchase of a share; - interest is paid at the end of the term of the deposit operations; - there is no limit on the size of the contribution; - in case of early termination of the agreement, interest paid at the agreed rate; - the contribution is not subject to prolongation.
9	VTB "Maximum income"	3,24-7,14%	from 3 months up to 3 years	from 1 thousand rubles	-dollar (from 100 at a rate of 0.4-1.74%); - euro (from 100 at a rate of 0.01%).
	- the shorter the term - the greater the percentage; - it is impossible to replenish or withdraw money ahead of schedule; - interest will be calculated at the end of the term; - capitalization of interest is possible.
10	Sberbank "Just 7%"	7%	5 months	from 100 thousand rubles	not provided
	- you can only open it yourself: through an ATM, online banking or mobile app; - interest will be credited to the account at the end of the term; – prolongation is possible, but on the terms of connecting the deposit "Poste restante"; - through the bank's office, the rate is set at 6.5%.

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

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

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 major Russian banks offer attractive interest rates on top-up pension deposits, which are 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 interest, 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 care about 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