When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with the highest deposit rates, depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used in order to exclude proposals from companies that may be in an unstable financial position.
Standard deposits
Standard deposits mean deposits for a certain period that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates for such deposits are the highest. The top ten leaders with the best deals look like this:
Deposits with additional opportunities
Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.
Replenishing deposits
The TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:
- RosEuro Bank - 8.5%. The banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. Monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
- Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
- TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum opening limit is 10 thousand rubles. Interest is paid every 400 days.
- Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
- The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
- Globex - 8.25%. The "Optimal" product guarantees the multiplication of funds in the indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
- AK Bars - 8.25%. A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
- BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. The capitalization of interest is in effect, as well as the possibility of replenishing the deposit for any amount.
- Moscow Regional Bank - 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Replenishment of the account is possible in the first 183 days.
- Credit Bank of Moscow - 7.75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.
Partial withdrawal deposits
The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:
- Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
- Novikobank - 8.5%. Novikobank offers a program with fixed periods of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than RUB 1.4 million. Interest is paid every 184 days.
- National Bank Trust - 8.25%. At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The deadlines are fixed - 91, 181 and 367 days.
- AK Bars - 8.25%. The bank has quite strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
- Globex - 8.15%. The Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that the minimum amount is maintained, individually indicated in the deposit agreement.
- Orient Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the initial payment is from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
- Absolut Bank - 8%. Absolut Bank offers a special program for people of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum amount of the deposit is maintained.
- Ugra - 7.89%. Banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second - 5.5% per annum. Interest can be withdrawn at the end of each period.
- Promsvyazbank - 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, keeping the established initial limit. Automatic extension of the contract is possible.
- Credit Moscow Bank - 7.25%. The "Settlement" tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. Top-ups can be up to 20 thousand rubles. In case of partial withdrawal of funds, the initial amount must remain on the account.
Opening a deposit
When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online application submission.
Often, for opening a deposit account online, a client can even receive a premium to the stated rate.
Of the documents, only a passport is required. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.
A deposit - or the so-called “deposit” - is money that a client places with a bank to protect and increase his capital.
The higher the interest rate of the bank deposit, the greater the potential income. The best interest rates on deposits are often offered during periods of seasonal offers or other special bank promotions.
Bank deposits for individuals 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 2019 offer several additional opportunities for term deposits and deposits:
- partial withdrawal and replenishment of funds on the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
- capitalization 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 interest already added;
- automatic renewal - automatic renewal of the agreement if the depositor does not withdraw the deposit at the end of its validity period.
To make the best deposit in rubles or foreign currency, consider these three points.
Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2019, the most profitable interest rate deposits in Moscow banks are currently offered in Russian rubles.
Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in 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 if the exchange rate increases against the ruble. This is how you can get the best income from a deposit in 2019.
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 "Currency Rates" section. However, there are few offers of deposits at a good interest rate in these currencies, since the demand for them is low.
And yet, what kind of contribution should a pensioner, student or middle-aged person choose? Our "Deposit selection" form will help you 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 2019, to date, among the deposits in banks in Moscow, the most profitable high interest rate in rubles in the deposit At the top (with NSJ) in Gazprombank (JSC) bank - 8.60% per annum. The minimum deposit amount is 50,000 rubles with interest payment at the end of the deposit term. This is the best deposit in rubles according to our data.
Are you planning to open a deposit in rubles? We have compiled a list of banks offering the highest interest rates on ruble deposits - from 7% per annum. All these deposits are protected by the state in the amount of up to 1.4 million rubles.
So, the most profitable deposits in rubles (information is valid for November 2019):
Pay attention to the new product from SBI Bank - map "Your circle", according to which the bank charges 6% per annum on the account balance.
Please note that real rates on deposits without capitalization may be higher than on deposits with capitalization. Use the calculator to calculate.
All the banks listed above are members of the Deposit Insurance System. Since December 2014, the amount of insurance compensation guaranteed by the state to each depositor is 1.4 million rubles, including interest on the date of license revocation. Calculate the size of the deposit in private banks so that with interest it does not exceed 1.4 million rubles.
Foreign currency deposits are reimbursed at the exchange rate of the Central Bank on the date of revocation of the bank's license.
The best deposits are those that bring the highest income and offer favorable conditions. The choice of conditions depends on the goals set: investment, accumulation or preservation. The advantage of keeping money in banks is the constant increase in the money supply, the intensity of which exceeds the inflation rate. Term bank deposits are limited to certain storage periods from several months to several years.
Conditions and options by which you can make a choice:
- % rate;
- the possibility of making contributions throughout the year;
- monthly capitalization;
- the currency in which you make the purchase;
- auto-renewal - the terms of the contract continue to be fulfilled, even if at the end of the term you do not take the money;
- convenient term.
Investments can be made in rubles, dollars, euros and other currencies.
The Creditznatok service will allow you to find the most profitable deposits in the city. Using a simple spreadsheet, you can quickly compare interest rates across banks in Moscow and filter out unnecessary offers. The site contains the following information:
- title;
- interest rate;
- the amount of the deposit;
- term;
- currency.
Urgent placements
A term deposit in a bank is a bank deposit with a certain shelf life. The established interest rates on deposits allow the depositor to receive income from funds generated in the course of the bank's financial transactions with his money. In this case, interest is issued only together with the invested money at the end of the contract. If you urgently need money, and you decide to withdraw it, you will have to pay a fine, and the percentage will drop to a minimum value.
Urgency allows banks to plan the use of funds, so for urgent investments they offer the best interest rates. At the time of investment, an agreement is concluded in which all the nuances are fixed: the amount, term of the deposit, currency, withdrawal conditions, interest rate, etc.
Interest is accrued in different ways:
- by the formulas of simple interest;
- by the formulas of compound interest;
- using a fixed or floating rate.
How to choose a bank?
"Creditznatok" will help you quickly find profitable interest rates on deposits in banks and consult with experts online - this saves a huge amount of time at the stage of choosing your bank. Look for profitable deposits in banks with us quickly and as conveniently as possible.
The profitability of the deposit for this parameter is determined by each bank independently. Although, assessing the market as a whole, the highest percentage is often set for a period of 9-12 months, if we consider products with a choice of term. This approach can be explained by two components.
A shorter term does not allow you to use your funds in the long term. Accordingly, the bank will not receive the required income, and reduces the interest rate on deposits.
For longer periods of time, the application of more significant inflationary risks is required. Therefore, to apply the highest percentage, it is worth choosing deposits for an average term.
If you want to place funds for a longer period of time, but with the same high yield, you can choose an offer with automatic prolongation. That is, after the expiration of the deposit, and the absence of the fact of your appeal to receive funds, it will be extended. It is important to pay attention that the prolongation is carried out under the same conditions.
Is it profitable to choose a deposit with automatic renewal upon expiration?
Yes. Renewal deposits are beneficial. This is due to the fact that at the end of its validity period, it is extended without the participation of the client. Often on the same terms as originally applied. Thus, two main benefits are achieved.
There is no loss of interest for the period from the date of the end of the term of the deposit until the moment of its re-placement.
Recently, there has been a tendency to decrease the profitability of deposits. Accordingly, after a year it is impossible to place money in a bank with the current interest rate. Only auto-prolongation on the initial conditions allows you to do this.
Separately, it is worth noting the possibility of early termination of any deposit agreement. If you did not have time to contact the bank to withdraw funds, or the automatic prolongation was performed on unfavorable terms, you can get your money back. Moreover, without losing the income received after the initial period of the deposit.
How will it be more profitable to open a deposit - go straight to the branch or via the Internet?
It should be noted right away that not all banks provide the ability to open a deposit remotely. Therefore, contacting the branch may be the only possible way to place funds. If a credit institution accepts applications from citizens via the Internet, then this option in most cases is more profitable.
The premium to the interest rate can generally be 0.25-0.5% per annum. The possibility of its provision arises due to the lower costs of the commercial structure. Both to attract a client (via the Internet it is less expensive than the classical way), and to directly conclude a deal. These indispensable expenses are converted into additional income for the depositor.
