The highest rate for a deposit in rubles. Which bank has the most favorable conditions for deposits and a high percentage of the deposit. The best deposits in rubles

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• New Product

  Bank Rossiya presents the Spring Mood deposit

  Clients of the Rossiya Bank got the opportunity to apply for the Spring Mood seasonal deposit 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 made for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.

  06 March 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 is currently 5.1% per annum. The minimum amount for 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 its contribution "Bright Winter"

  The range of Expobank's deposit services has been supplemented with a seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on the funds placed: 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 has revised rates on mortgages, on deposits and on the Halva card

  A mortgage in Sovcombank can now be obtained at a rate of 8.69% per annum. The amount of the housing loan is no more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to arrange a loan for two documents. A loan application is considered within 1 business day.

  19 Nov 2019

• New Product

  Roscosmosbank introduced new deposits for individuals

  Roskosmosbank clients can use two new deposit programs of a financial institution. The Comfort deposit in the Head Bank and in the Cosmodrom-Plesetsk branch can be arranged on the following conditions: The minimum amount of placement is 30 thousand rubles or 500 dollars / euro. The deadline for placing funds is 365 days maximum

  11 july 2019

• Banking discussions

  Armed Forces of the Russian Federation: the case of controversial deposits

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

  03 May 2019

• New Product

  Renaissance represents the contribution of the "Double Benefit"

  Bank Vozrozhdenie offers to issue the Double Benefit deposit. The maximum profitability 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 made out 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 has attracted the attention of supervisory authorities - the Central Bank and the FAS, which have prepared a joint warning letter for credit institutions. Anti-monopoly authorities and the regulator find it wrong

  11 Jan 2019

A strict economy, hard work, an inheritance or a gift can help you to have a free amount of money that you can use 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.

Deposit rates in Moscow banks

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

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but they are not the only ones that can decrease 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 saving savings are characterized by the highest interest rates;
• perpetual or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, 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 interest payment period for yourself. There are several options:

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

All interest is charged on deposits of individuals in Moscow every day, but may differ from each other by the presence of capitalization.

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

In 2020, many banks work with deposits: Sberbank, VTB, Rosselkhozbank, 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, making calculations, and consulting with specialists.

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

1. Enter your deposit requirements.
2. Get a complete list of current deposits in Moscow banks for today updated.

After that, you will be able to make a balanced choice, as well as immediately submit an online application for the selected deposit program.

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 depositors, the most important indicator when choosing a savings program is the interest rate. However, there are several more significant nuances that you should pay attention to when choosing a deposit product. What to look for, and in which bank high interest rates on deposits, we will tell you in our article.

It so happened that the majority of depositors, when choosing a deposit program, pay 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 depositors without the promised income and without their own savings either.

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

Of course, security comes at a price. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the likelihood of receiving the planned income increases significantly.

Important! An additional guarantee is state support for 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 if the bank goes bankrupt. Therefore, first of all, when choosing a bank to register 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 come first, 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 indicator of interest today fluctuates in the range of 8-8.3%. Of course, you can find interest and better, but the conditions may be too strict for those wishing 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 period from six months to a year. These are the most profitable and not too long-term programs, because there are always risks of a recession in the economy and an unexpected bankruptcy of the bank. However, there are times when there is no opportunity to wait for the end of the deposit term, and the money is needed right now, then you need to clarify whether you will be able to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profits in the event of early closure of the deposit agreement. After all, some banks almost completely take the accumulated interest, even if the deposit has matured for almost the entire agreed period.

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

Which banks have the highest interest rates?

So, as we have already decided, the most important factors when choosing a deposit program are bank reliability and interest rate. We will not compare the interest rates of banks with dubious reputations, which simply want to attract as many customers 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 collapse until the time comes to collect the accumulated interest? Do you run the risk of being left completely without money?

As you can see, those wishing to invest their own money at high interest rates will have to seriously search for the most relevant offers. Of course, in addition to the proposed options, 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.

An 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.

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 make a profitable deposit for individuals. But which of the most reliable banks in Russia has the highest interest on deposits today? The agency's website specialists have analyzed the offers of the largest banks in the country, having compiled an overview of deposits in rubles with favorable interest rates.

Individual deposits - a traditional way of investing money

There are many ways to invest money to generate passive income. You can buy a currency and wait for it to rise in price, you can make money in Forex, invest in a PAMM account, try to get 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. Individuals' bank deposits today remain the most reliable and traditional way of investing savings in Russia.

Choosing the most profitable investment: 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 the deposit with the maximum income;
• - the reliability of the bank, which allows you not to worry about the safety of your 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's website tried to do this by examining the conditions of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable banks in Russia 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 banks in Russia on deposits for a period of 12 months, since this is the most popular investment period. They took 1 million rubles as the estimated amount. And they also tried to dismiss the so-called investment or complex offers with the obligatory investment of money - insurance, mutual funds or shares. As a result, we got the following list (check with banks for exact conditions and interest rates on deposits).

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

Credit Bank of Moscow

MEGA Online contribution

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

Bank FC Otkritie

Deposit "Reliable"

No replenishment / No partial withdrawal / Capitalization / Interest accrual 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

No replenishment / No partial withdrawal / Capitalization / Interest accrual monthly.

Post Bank

Investment "Capital"

No replenishment / No partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

"Save" deposit

Without replenishment / Without partial withdrawal / With capitalization / Interest accrual on a monthly basis in Moscow banks >>

The main types of deposits of individuals

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

✓ term deposits at the highest interest rates. By opening such a deposit, you give your money to the bank 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 the interest grows. 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 take part of the funds up to a previously agreed upon minimum balance, on the amount of which interest will be charged.

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

All banks are interested in attracting as much money as possible from depositors to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities of using the deposit.

In this article:

Choosing a contribution correctly

With all the differences, deposits can be conditionally divided into three groups, depending on the ability to manage accounts: profitable (without the possibility of replenishing and withdrawing money), replenishing and with the ability to use funds.

It is easy to choose the highest percentage, but what if you urgently need money? This is where savings programs come to the rescue with the right of partial / full withdrawal of money. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “profitable” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract, without the ability to manage and early use of funds. Standard deposits have the highest yield, depending on the amount of the deposit and the terms of the investment.

The conditions for making deposits in various banks are relatively equal:

• You need to choose a specific offer.
• Deposit an amount not lower than the specified minimum.
• Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

• Bank of Moscow "Correct answer"

Interest rates up to 11% in rubles.

Contribution - from 100 thousand rubles.

• BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles., $ 300 and € 300.

• PromSvyaz bank "My benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles., $ 300 and € 300.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, $ 500 and € 500.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, $ 1,500 and € 1,500.

• VTB 24 "Profitable"

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

Replenishing deposits

• Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles., $ 500 and € 500.

• PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

• Gazprombank "Accumulative"

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles., $ 500 and € 500.

• VTB 24 "Accumulative"

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• RaiffeisenBank "Personal Choice"

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Top up"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Early withdrawal deposits

• Bank Trust "All Inclusive" with the possibility of replenishing the account

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles., $ 500 and € 500.

• Gazprombank. Product "Dynamic" has the additional ability to replenish deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to replenish your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles., $ 300 and € 300.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles., 1000 $ and 1000 €.

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