Conditions of deposits for natural persons. Reliable banks with high interest on deposits. NS Bank changed deposit rates
In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively involve customers by offering interesting offers and various options for investing funds.
Which bank should be preferred
Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:
- founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
- the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the size of the authorized capital (the more the better);
- position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
- availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.
You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:
- term of the deposit;
- whether early withdrawal is possible and under what conditions;
- interest payment procedure;
- the presence or absence of capitalization;
- the possibility of replenishment;
- does the interest increase with an increase in the amount of savings, etc.
The highest rates on deposits in Moscow banks today: the first 20
Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:
- currency - ruble;
- the minimum amount is 100,000;
- term - not less than 1 year.
These parameters helped to choose the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).
Bank's name | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
---|---|---|---|---|---|---|
Tauride | Festive | 12.3 | 50000 | Monthly, capitalization | Yes | No |
Novikombank | Favorite | 12.25 | 10000 | At the end of the term | No | No |
International Bank of St. Petersburg | Capital | 12.2 | 50000 | At the end of the term | No | No |
Promsvyazbank | Premium | 12 | 3 | At the end of the term | Yes | Yes |
Vanguard | passbook | 12 | 100000 | At the end of the term | No | No |
BFG-Credit | Loyal | 11.75 | 100000 | At the end of the term | Yes | No |
BFA bank | Contribution #1 | 11.25 | 30000 | Monthly, capitalization / withdrawal to the account | No | No |
Peresvet | Rational | 11.2 | 30000 | At the end of the term | Yes | Yes |
Transcapitalbank | Growth time. Spring | 11.16 | 20000 | Quarterly | No | No |
Globex | Accurate calculation online | 11.15 | 100000 | At the end of the term | No | No |
Trust | Our people | 11.1 | 30000 | At the end of the term | No | No |
Investtorgbank | Fabulous Percentage | 11.07 | 50000 | Quarterly | No | No |
Credit Bank of Moscow | All Inclusive Online | 11 | 1000 | At the end of the term | No | No |
Credit Europe Bank | Urgent | 11 | 3000 | At the end of the term | No | No |
MetallinvetBank | Maximum income | 11 | 10000 | At the end of the term | No | No |
Uniastrum Bank | Large percentage | 11 | 20 000 | At the end of the term | No | Yes, within the minimum |
Finprombank | My conditions | 11 | 30000 | Monthly, capitalization | Yes | No |
Military Industrial Bank | spring story | 11 (growing) | 50000 | At the end of the term | Yes | No |
Center-Invest | grow big | 11 | 50000 | Annual capitalization | Yes | No |
Education | Base | 11 | 100000 | At the end of the term | No | No |
TOP-50 foreign currency deposits in Moscow banks at the maximum percentage
In connection with the depreciation of the ruble, many customers have awakened interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but they also acquire exotic currencies - pounds, francs, yens, Australian dollars, the yuan and the "Canadian" have recently been gaining popularity. However, the most popular is still the US dollar.
- currency - dollar;
- amount - from 1,000;
- term - at least 1 year;
- bank is one of the 200 largest.
It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.
Bank's name | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
---|---|---|---|---|---|---|
Tauride | Urgent | 3.8 | 1000 | Monthly, capitalization | Yes | No |
Globex | Accurate calculation online | 3.35 | 200 | At the end of the term | No | No |
Binbank | Standard | 3.2 | 100 | Monthly | No | No |
Yugra | 25 years of reliability | 3.1 | 500 | Monthly | Yes | Yes |
Promsvyazbank | Premium | 3 | 3 | At the end of the term | Yes | Yes |
Globex | Rentier online (multi) | 3 | 300 | Monthly | Yes | Yes |
Novikombank | Favorite | 3 | 300 | At the end of the term | No | No |
BFA bank | Contribution #1 | 3 | 500 | Monthly, capitalization | No | No |
Binbank | Max percentage | 2.9 | 300 | At the end of the term | No | No |
Trust | Our people | 2.9 | 500 | At the end of the term | No | No |
Trust | generous interest | 2.9 | 500 | At the end of the term | No | No |
Tauride | Multicurrency | 2.8 | 710 | At the end of the term | Yes | No |
Finprombank | My conditions | 2.8 | 1000 | Monthly, capitalization | Yes | No |
Yugra | Multicurrency basket | 2.8 | 1000 | At the end of the term | Yes | No |
Credit Europe Bank | Urgent | 2.75 | 100 | At the end of the term | No | No |
Loco-bank | Spring in the black (multi, dollar+euro) | 2.75 | 300 | At the end of the term | No | No |
Globex | Bonus online | 2.7 (growing) | 200 | At the end of the term | Yes | Yes |
MDM Bank | Max percentage | 2.7 (growing) | 300 | At the end of the term | No | No |
Binbank | Monthly income | 2.65 (growing) | 300 | Monthly, payment to the account | Yes | No |
Trust | Multicurrency 2016 | 2.65 | 500 | At the end of the term | Yes | No |
Yugra | Growing income | 2.63 | 1000 | At the end of the term | Yes | No |
SMP Bank | maxima | 2.6 (growing) | 50 | Monthly, capitalization | Yes | No |
Investtorgbank | Optimal | 2.6 | 100 | At the end of the term | Yes | No |
Promsvyazbank | my benefit | 2.6 (growing) | 300 | At the end of the term | No | No |
Military Industrial Bank | spring story | 2.6 (growing) | 1000 | At the end of the term | Yes | No |
Finprombank | Practical | 2.6 | 1000 | At the end of the term | Yes | Yes |
Peresvet | Knight | 2.6 | 1000 | Monthly | Yes | Yes |
All-Russian Bank for the Development of Regions | smart money | 2.5 | 1 | At the end of the term | Yes | No |
Raiffeisenbank | Triple benefit (multi) | 2.5 | 1 | At the end of the term, annual capitalization | No | No |
Home Credit Bank | Profitable year | 2.5 | 100 | Monthly, capitalization | Yes | No |
OTP Bank | Cumulative | 2.5 | 300 | At the end of the term | Yes | No |
Ural Bank for Reconstruction and Development | Cumulative | 2.5 | 300 | Daily | Yes | No |
BFA bank | Accumulation strategy | 2.5 | 500 | Monthly | Yes | No |
Metallinvestbank | Maximum income | 2.5 | 1000 | At the end of the term | No | No |
Trust | Retirement income | 2.45 | 100 | At the end of the term | Yes | Yes |
Saint Petersburg | Deposit online | 2.4 | 100 | At the end of the term | No | No |
Education | Base | 2.4 | 200 | At the end of the term | No | No |
Binbank | Multicurrency | 2.4 | 410 | At the end of the term | Yes | No |
Bank Finservice | Comfortable | 2.35 | 1 | Monthly, capitalization | Yes | No |
Credit Europe Bank | Cumulative | 2.35 | 100 | At the end of the term | Yes | Yes |
Rosselkhozbank | Classic online | 2.35 | 100 | At the end of the term | No | No |
MDM Bank | MDM - The Magnificent Seven | 2.35 | 1000 | At the end of the term, capitalization daily | Yes | Yes |
Military Industrial Bank | Comfortable | 2.3 (growing) | 100 | At the end of the term | Yes | Yes |
BFG-Credit | Classical | 2.3 | 300 | At the end of the term | Yes | No |
Absolut Bank | Absolute maximum + | 2.3 | 1000 | At the end of the term | No | No |
Eastern Express Bank | Oriental | 2.25 | 500 | Monthly, capitalization | No | No |
Renaissance Credit | Renaissance Profitable | 2.25 | 500 | At the end of the term | No | No |
Tinkoff Bank | SmartDeposit | 2.25 | 1000 | Monthly capitalization | Yes | Yes |
Moscow Industrial Bank | Classical | 2.25 | 1000 | At the end of the term | No | No |
Education | Maximalist | 2.2 | 100 | Monthly, capitalization | Yes | No |
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 validity period.
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 At the top (with HOA) Gazprombank in Gazprombank (JSC) - 8.10% 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.
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 War Veterans.
- "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. early closure and capitalization of interest once a quarter is possible.
- "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. |
|||
Max percentage |
Payment at the end of the year, there is a replenishment, withdrawal of money before the end of the term is impossible. |
Video: Interest rates on deposits in 2019
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Discuss
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.
Every year, depositors face an unpleasant and unexpected situation - banks delay the issuance of funds from deposits to clients in various ways. Find out why this is happening and what to do to get your money back.
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Soft loans for small businesses
Preferential loans for small businesses increase the availability of the lending market for small companies and individual entrepreneurs. In this article, we will consider the state program, as well as several advantageous offers from banks.
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Investments in precious metals: stock instruments
Investing in precious metals is one of the oldest ways to save and increase capital. However, recently there has been a gradual transition from real gold to intangible assets. Read the article for details.
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Settlement account in Post Bank
Post Bank is a universal credit organization, included in the TOP-30 of the country's banking sector. In the article we will talk about the features of current accounts for business at Post Bank, the cost of their maintenance and the procedure for opening.
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29 Oct 2019New Product
Vozrozhdenie launched 4 new retail deposits
The line of retail deposits of Vozrozhdenie Bank was replenished with four deposit products at once. The Replenished deposit is opened in rubles and US dollars. The maximum deposit rate is 5.5% per annum in rubles and 0.7% per annum in dollars. The placement amount is from 30 thousand rubles / 500 dollars. The deposit account can be replenished. "Active" deposit.
01 Oct 2019Changing rates
NS Bank changed deposit rates
NS Bank has reviewed the profitability of branded deposit products. The rate on the Investment deposit is currently 8% per annum. The deposit service is available for clients who have issued investment insurance products. Interest is paid at the end of the term of the deposit agreement. "Saving" deposit. Bid -
02 Aug 2019Analytics
Depositors received almost 33 billion rubles from the DIA. for 6 months
From January to June, the Deposit Insurance Agency paid insurance compensation to 55.8 thousand people. Such data is published on the website of the state corporation. For the first six months, the DIA paid out 32.8 billion rubles to former depositors of bankrupt banks. This money was received by half of the people who are eligible to claim the insurance payment.
July 23, 2019Changing rates
Gazprombank raises deposit rates
Gazprombank makes branded deposits more attractive. The marginal rate of return on the Vash Success deposit increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount of placement is 300 thousand rubles. The deposit is non-refundable. extradition
27 Feb 2019