Cash deposit in a bank. Reliable banks with high interest rates on deposits. Deposits in Sovcombank

In 2019, deposits for 3 months are becoming increasingly popular. This is partly due to the difficult period that the Russian economy is going through today. Not many people are now ready to plan their income and expenses for long term, and therefore prefer short-term investments.

Bank deposits with interest for 3 months – good way investing money, taking into account that you can get maximum income and not part with your funds for a long time.

What deposit should I make for 3 months to get the maximum interest?

This page contains the most profitable short-term deposits for a period of 3 months, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is structured in the form of a rating from the highest percentage to the lowest. Everyone can compare conditions and rates to choose the most suitable product.

Deposits for 3 months under maximum percentage in large banks

Credit Bank of Moscow

MEGA Online deposit

Without capitalization / Payment of interest monthly / Without partial withdrawal/ Replenishment

Rosselkhozbank

Deposit "Profitable online"

No capitalization / Payment of interest at the end of the term / No partial withdrawal / No replenishment

FC Otkritie

Deposit "Reliable"

Sovcombank

Convenient deposit

Without capitalization / Payment of interest at the end of the term / Without partial withdrawal / Replenishment

Alfa Bank

“Victory+” deposit

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit "Profitable"

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit calculator for 3 months

Conclusions: why today it is profitable to open deposits for 3 months

Short-term deposits today are becoming increasingly in demand among the population in Russia. This is partly due to the fact that people do not always have the need to place savings in a bank for a year or longer. Some, for example, starting in winter, save money for a summer vacation. Others specifically choose short-term savings programs, trying to form a so-called “ladder of deposits.”

In addition, a number of experts note that during periods of market instability, short-term deposits for 3 months may be the best option for investing savings. After all, in this way you can minimize inflation risks and get a good income.

Are bank deposits insured for 3 months?

Yes. Funds are subject to insurance individuals, located in the bank in deposits and accounts, including foreign currency ones. Maximum amount 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 rate established by the Bank of Russia on the day the insured event occurred.

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 the DIA (www.asv.org.ru), as well as via free hotline DIA 8-800-200-08-05.

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

02Feb

Hello! This article will talk about deposits for individuals in 2018. Today you will learn about the positive and negative aspects of opening bank deposits, how to choose the right deposit that is most convenient for you personally. What deposit rates apply to this moment. In what currency is it more profitable to make a deposit and how to protect your savings.

We have analyzed and prepared for you a rating of the TOP 20 banks with favorable conditions on deposits! The article turned out to be long, so use the content.

What is a bank deposit

Contribution – this is a certain amount of funds that is transferred to the bank at a certain percentage. For any citizen, this is a great way not only to preserve their savings, but also to increase their amount and receive income.

Who are the investors?

Depositors of any bank can be citizens of the Russian Federation, citizens of other states and stateless persons. They are completely free to choose any bank that suits their conditions, and can also place their funds in several banks at the same time. Persons who are investors manage their funds, receive income from them and carry out the necessary operations specified in the documents.

Classification of deposits

Conventionally, they are divided into 2 groups:

Open for a certain period of time (urgent);
Without a specific storage period for funds (until demand).

In turn, time deposits can be divided into savings and accumulative. In addition, there is a third type - universal deposits. Let's look at each type in more detail.

It is a mistake to think that if a deposit belongs to the category of urgent deposits, it implies only short-term storage of funds. It is called urgent only because it is opened for a specific period of time. The depositor places his funds in the bank for a month, for a year, for 3-5 years, the terms of placement may be different. In turn, the bank pays him increased interest.

Of course, you can withdraw the money before the deposit expires, but then the attractive interest rates will be lost.

Some banks offer to do time deposit on the condition that the interest on withdrawal of money ahead of schedule will be saved. This is undoubtedly an advantageous condition if the client experiences some kind of force majeure.

Although banks usually ask their depositors to inform them in advance that the client wants to close the deposit. This is necessary to order money for a specific date.

Savings deposits - usually opened to store funds for a certain period of time. Savings accounts are opened to collect the required amount for a specific purpose.

A special type of deposit stands apart from all other categories - metal bill. To open it, the client must purchase a certain amount precious metals, which will be stored in the bank. The income from such a deposit directly depends on how much the selected metal costs on the market.

This option to accumulate funds is effective only when the storage period is long. And some generally prefer to purchase gold bars, being convinced of the dominance of gold over the world.

It is also worth mentioning separately the so-called universal deposits. These are deposits on a long-term basis, with the ability to make expense transactions on them (pay for housing and communal services, Internet, etc.). Opening such a deposit takes literally a few minutes; in this case, there is no need to collect an extended package of documents.

Currency deposits – these are funds that are placed in a bank in the currencies of other countries. Interest is charged on them in the same way.

In addition to dollars and euros, some banks offer deposits in pounds sterling, yuan, Swiss francs. There is little demand for such offers, so their number is quite limited.

Deadlines foreign currency deposits the same as for ruble ones: minimum 1 month, maximum 5 years. Also, deposits have some features, for example, the interest rate on them is lower than on ruble deposits. The explanation for this is simple: the ruble is a weaker currency than the euro or dollar, which means the owners of such savings do not lose anything, despite the low yield.

Let's consider another type - multicurrency deposit . Its presence allows you to transfer your funds from one type of currency to another, while maintaining the already accrued interest. Such transfers can be made an unlimited number of times, and this also allows you to earn money.

Interest on this species usually calculated separately for each currency. You can open a deposit in any ratio of each currency. But there are banks that require that some percentage remain in ruble equivalent.

There are also restrictions on the minimum deposited amount. Usually it is 3000 rubles, 100 euros and 100 dollars. However, it is not always possible to replenish the deposit. And if this is provided for in the contract, then certain deadlines apply. Regarding partial withdrawals, each bank follows its own line.

If you decide to open such a deposit, remember that it is ideal only for those who monitor currency rates and have an understanding of fluctuations in these rates. Otherwise, you won't get high returns.

Specialized deposits – salary, deposits for education, housing, seasonal and so on.

Let's look at each of them in more detail:

Salary deposit – can only be opened if wage transferred to the bank where you plan to open a deposit. If the salary account is combined with a deposit, interest will be charged on the account balance;
Investments for education – accounts in which funds are accumulated for education. They are distinguished by a high rate, and if necessary, more favorable lending conditions;
Housing contribution – designed for the process of accumulating funds to improve living conditions. For clients who have opened such deposits, banks often make profitable offer on a mortgage, but the profitability of such deposits is low;
Seasonal contribution – open at a specific time of year or for a holiday ( New Year). Interest rates on this type of deposit can be called quite high.

Intermediate output : Specialized deposits are to some extent more profitable than regular ones. By opening them, you can get higher incomes or pleasant bonuses from the bank.

We’ll talk further about what nuances you need to pay attention to before opening a deposit.

How to choose a bank to open a deposit

In order to find the right one for you, you still need to try and spend a lot of free time.

To make this task easier, here are some useful tips:

Look at the bank's ratings. They are most often compiled by Russian rating agencies;
On the official website of the Central Bank you can freely view bank reports on credit operations. The only negative: to fully understand them, you need to be a specialist (accountant or economist);
You can use the help of the Banki.ru portal, where all the information is presented in a language more accessible to non-professionals;
Another indicator of a bank’s reliability is the increase in its assets compared to previous periods;
Size is also an important indicator;
Study reviews of bank clients who have already used its services;
Pay attention to the size of the bank, whether it has branches or branches;
Review the media for any negative information about your chosen bank;
Please clarify right away how high are the rates on opened deposits? If they are too high, this should alert a potential client;
How does the bank's work schedule change, or has it remained unchanged since opening. In addition, if a bank reduces staff, this also indirectly confirms that the bank has problems;
Do any problems arise during various operations?
Be sure to check whether the bank belongs to the deposit insurance system. This information is easy to find on the Internet.

To summarize, I would like to say that you need to approach the choice of a bank carefully, slowly and intelligently. But also value your money and time, and do not delay making the final decision.

How to open a deposit

First of all, to enter into an agreement with a bank, you will need a passport. In general, now the process of opening a deposit has been simplified to save time not only for clients, but also for bank employees. If the client has already decided on the type of deposit, he needs to personally visit the branch of the selected bank and inform a specialist of his intention, who will promptly prepare an agreement.

Before signing such an important document, be sure to read it carefully.

Please pay Special attention on the:

Deposit rate;
Deposit term;
Is it possible to replenish it, as well as withdraw money ahead of schedule;
Personal data in the contract: check whether it is accurately reflected.

If you are satisfied with all the conditions in the contract, sign the contract and deposit the required amount of funds into the bank’s cash desk. If the deposit is opened in the afternoon, it will be valid from the next day.

Why can they refuse and not open a deposit?

Such failures are not a frequent occurrence, but they are still possible.

The reasons are:

If the client cannot present a passport or other identification document;
If foreign citizen who wants to open a deposit cannot confirm his right to be in Russia;
If the passport contains marks that are not required;
If the person opening the deposit is under 14 years old.

The bank has the right not to voice the reason why a client is refused to open a deposit!

Top 20 banks for deposits in rubles in 2018

In this part of our review, we’ll talk about what conditions for opening deposits are offered by the most famous banks in our country.

Important: All information about opening deposits, conditions and interest rates presented to your attention was obtained from the official portals presented in the review of banks. Conditions may vary if banks make changes!

We propose to consider the banks presented below according to the following characteristics:

Maximum percentage;
Minimum down payment amount;
Frequency of interest calculation;
Method of opening a deposit;
Possibility to replenish the deposit;
Possibility to partially withdraw funds;
Participation in the deposit insurance system;
Availability of bonuses from the bank for the depositor.

Deposits in Sberbank for individuals

Maximum percentage – 8.80% (depending on the deposit term);
depends on the type of deposit chosen (from 1 ruble to 30,000 rubles);
from monthly until accrued at the end of the deposit term;
Method of opening a deposit – in person, through the Sberbank online system, through self-service devices;
available;
available, but not for all types of deposits;
Yes, preferential terms for mortgage and consumer lending.

Intermediate output: The undeniable advantages include the stability and stability of the bank in the market, benefits for depositors when applying for a loan.

Official website of the bank.

Deposits in Tinkoff Bank

Maximum percentage – 9.83% per annum;
Minimum down payment amount – 50,000 rubles;
Frequency of interest calculation – can be credited every month to the deposit itself or to the client’s card (at his choice);
Method of opening a deposit – online, via mobile app, computer, tablet;
Possibility of replenishing the deposit – available, and online;
Possibility of partial withdrawal of funds – available, at any time, in any way convenient for the client (you can receive your money by transfer through Russian Post);
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – Yes, all depositors receive a bank debit card as a gift.

Intermediate output: undeniable advantages include the ability to manage your funds online, closing the deposit at any time without losing accrued interest.

Official website of the bank.

Investments in Renaissance Credit

Maximum percentage – 9.75% (also depends on the type of deposit);
Minimum down payment amount – 1000 rubles;
Frequency of interest calculation – in direct dependence on the type of deposit. Provided monthly accrual and accrual at the end of the term;
Method of opening a deposit –
Possibility of replenishing the deposit – depends on the type of deposit. For example, the Renaissance Profitable deposit cannot be replenished, but others can be replenished in several ways. You can deposit money at the bank’s cash desk, make a transfer through Internet banking, or through a self-service terminal;
Possibility of partial withdrawal of funds – available, but not for all types of deposits. It is possible by visiting the bank in person (in cash) or via the Internet (by transfer to another account or bank card). These conditions are valid only for ruble deposits. In addition, if you need to withdraw an amount up to 100,000 rubles, you need to order the amount one day before the withdrawal date, if the withdrawal amount is more than half a million rubles - 3 days before the withdrawal date, if the deposit is in foreign currency - 4 days before the withdrawal date.
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – not provided.

Intermediate output: it is possible to manage your funds without visiting the bank in person; to open a deposit you only need a passport (if the client is a Russian citizen), but there are also points that will not suit everyone: not all deposits can be replenished; cash for withdrawal must be ordered in advance.

Official website of the bank.

Deposits in VTB 24 for individuals. persons

Maximum percentage – 7.85% per annum, but it also depends on the amount that was deposited when opening the deposit;
Minimum down payment amount – 100,000 rubles;
Frequency of interest calculation – monthly (to the client’s account for use or for capitalization);
Method of opening a deposit – in bank branches, online via the Internet;
Possibility of replenishing the deposit – depends on the choice of deposit type (the “Accumulative” and “Comfortable” deposits can be replenished);
Possibility of partial withdrawal of funds – available, on bank terms;
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – yes, when connecting via the Internet, there are also premium service packages for clients.

Intermediate output: Among the negative aspects: a fairly significant amount for a down payment, the range of deposits is small: there are only three of them (but this can hardly be called a significant disadvantage). At the same time, there are customer loyalty programs and convenient online banking.

Official website of the bank.

Deposits in Rosselkhozbank

This bank has a fairly wide selection of deposits, or rather, 11 of them.

Having analyzed the selected characteristics, you can see the following picture:

Maximum percentage–10.9% (if the deposit term is more than 1 year);
Minimum down payment amount – depends on the selected type of deposit, from 10 rubles (demand deposit);
Frequency of interest calculation – quarterly, monthly, at the end of the deposit term;
Method of opening a deposit – in bank branches, remotely;
Possibility of replenishing the deposit – available, except for the “Golden” and “Amur Tiger” deposits;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – Yes, you can get a free Amur Tiger card, the yield of which is 7% per annum.

Intermediate output: affordable down payment amount, deposits are insured by the state, the ability to manage your finances without leaving home.

Official website of the bank.

Deposits in Binbank

Maximum percentage – 8.4% (on deposit " Monthly income»);
Minimum down payment amount – 10,000 rubles (except savings account"Money box");
Frequency of interest calculation – for the “Magnificent Seven” deposit – daily, for the “Monthly Income” deposit – monthly, for the “Multicurrency” deposit – at the end of the term;
Method of opening a deposit – Internet banking, any bank branch;
Possibility of replenishing the deposit – yes, except for the product “Investment in the Future”;
Possibility of partial withdrawal of funds – yes, for the “Magnificent Seven” deposit and the “Piggy Bank” savings account;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – the opportunity to use the services of a personal consultant for free.

Intermediate output: when placing, it is possible to receive accrued interest daily, and it is also clear that the amount of the down payment is relatively small.

Official website of the bank.

Deposits in Gazprombank

Maximum percentage – 8.0% (for the Gazprombank Perspective deposit);
Minimum down payment amount – 15,000 rubles for the main line of deposits and from 100 rubles to 50,000 for special deposits;
Frequency of interest calculation – monthly or at the end of the term basic deposits, every quarter and at the end of the term by special;
Method of opening a deposit – in person at a bank branch or branch, through self-service terminals;
Possibility of replenishing the deposit – yes, regarding basic and special deposits;
Possibility of partial withdrawal of funds – only for the Gazprombank Dynamic and Gazprombank Pension deposits;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – not provided, available premium service when opening platinum international cards.

Intermediate output: There are deposit options with a minimum down payment, as well as the opportunity to receive advice from a personal manager.

Official website of the bank.

Deposits in Alfa Bank

The bank is large and has branches in many cities. The bank's clients are about 5 million individuals only, not to mention legal entities. It is worth mentioning that the bank takes a very principled position in relation to defaulters, this explains negative reviews about his work.

Maximum percentage– 9.8%, for the “Life Line” deposit;
Minimum down payment amount – from 10,000 rubles to 3 million rubles;
Frequency of interest calculation – for most deposits - at the end of the term;
Method of opening a deposit – personal office visit, Internet banking;
Possibility of replenishing the deposit – depends on the selected type of deposit;
Possibility of partial withdrawal of funds – depends on the type of deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – promotion “The longer the money is in the account, the higher the interest on the deposit” (for those who chose the “Valuable Time” deposit).

Intermediate output: it is possible to get a high income on certain types of deposits, for example, the “Victory” deposit is 10.5%, but the contribution amount is 3 million rubles.

Official website of the bank.

Deposits in Otkritie Bank

Maximum percentage – up to 9.05% (depending on the amount and duration of the investment);
Minimum down payment amount – 50,000 rubles;
Frequency of interest calculation – monthly (to the client’s account, or as capitalization);
Method of opening a deposit – in a bank branch or online;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – provided (depending on the type of deposit);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – When opening via the Internet, the interest on the deposit is higher.

Intermediate output: You can get a higher percentage by opening a deposit via the Internet; you can replenish your deposit and receive interest on your account.

Official website of the bank.

Deposits in Promsvyazbank

Maximum percentage – up to 9.5% per annum (for the “Welcome!” deposit);
Minimum down payment amount – 10,000 rubles;
Frequency of interest calculation – monthly;
Method of opening a deposit –
Possibility of replenishing the deposit – available, except for the “Solid Interest” deposit;
Possibility of partial withdrawal of funds – yes, without losing interest (on the “Maximum Opportunities” deposit);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – for premium clients there is a surcharge on the basic interest - 0.25%.

Intermediate output: It is possible to partially withdraw funds without losing accrued interest.

Official website of the bank.

Deposits in Sovcombank

Maximum percentage – up to 9% per annum;
Minimum down payment amount – 30,000 rubles (and it is permissible to deposit them not immediately, but within 10 days);
Frequency of interest calculation – monthly or at the end of the validity period;
Method of opening a deposit – via the Internet, in person at the bank office;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – provided, but depends on the selected type of deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – increased percentage when opening a deposit via the Internet.

Intermediate output: It is possible to replenish all types of deposits on a monthly basis; a serious plus is the ability to make a down payment several times.

Official website of the bank.

Deposits in the Bank of Moscow

Maximum percentage – up to 10% per annum + 0.3% if the deposit is opened in the terminal or via the Internet;
Minimum down payment amount – any (for the Savings Account deposit), from 1 to 100,000 rubles for other deposits;
Frequency of interest calculation – every month/capitalization (customer’s choice);
Method of opening a deposit – via Internet banking, at a bank office in person, or through an ATM;
Possibility of replenishing the deposit – available (on the “Maximum growth” and “Maximum comfort” tabs);
Possibility of partial withdrawal of funds – available (except for the “Maximum Income” and “Seasonal” deposits);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – increased percentage when opening via the Internet, as well as for salary clients and pensioners.

Intermediate output: this bank offers increased rates on deposits for holders salary cards, for people of retirement age. It is also possible to open a deposit in favor of another person. To do this, it is necessary, in addition to the client’s passport, to provide the necessary information about the person in whose name the deposit will be opened.

Official website of the bank.

Maximum percentage – 8%;
Minimum down payment amount – from 1000 rubles to 10,000 rubles;
Frequency of interest calculation – from every 30 days to every 100 days;
Method of opening a deposit – in bank offices and online;
Possibility of replenishing the deposit – no restrictions;
Possibility of partial withdrawal of funds – no, except for the “Mobile” deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – for deposits that are opened on the recommendation of an existing depositor, he receives 500 rubles.

Intermediate output: The bank has several lines of deposits for individuals. Also, the amount of the down payment is low, from 1000 rubles.

Official website of the bank.

Deposits in Home Credit Bank

Maximum percentage – 9.06% (with capitalization);
Minimum down payment amount – 1000 rubles for all types of deposits;
Frequency of interest calculation – for a number of deposits monthly or at the end of the term;
Method of opening a deposit – in person at a bank branch, via online banking;
Possibility of replenishing the deposit – yes, across the entire line of deposits;
Possibility of partial withdrawal of funds – not provided;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – only for owners of the “33%” deposit

Intermediate output: There is no possibility of partial withdrawal of funds, but at the same time the entire line of deposits is replenished.

Official website of the bank.

Deposits in Mosoblbank

Maximum percentage – 9.5% (for the “Pension” deposit);
Minimum down payment amount – from 10,000 to 300,000 rubles;
Frequency of interest calculation – every month;
Method of opening a deposit – at bank offices in person, the opportunity to apply for opening via the Internet;
Possibility of replenishing the deposit – yes, for all types of deposits;
Possibility of partial withdrawal of funds – yes, except for the “Personal” deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – when opening a “Personal” deposit, it is possible not to lose high interest rates and at the same time receive monthly payments on account.

Intermediate output: There are 4 types of deposits to choose from, it is possible to receive payments monthly.

Official website of the bank.

Deposits in Bars Bank

Maximum percentage – 8,5%;
Minimum down payment amount – from 5000 to 1 million rubles;
Frequency of interest calculation – daily (for demand deposits);
Method of opening a deposit – in person or through an online system;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – at any time (for demand deposits);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – the opportunity to open a deposit in the name of a minor or an incapacitated person.

Intermediate output: Among the obvious advantages are the possibility of replenishing and partially withdrawing funds, as well as opening a deposit in the name of a third party.

Official website of the bank.

Deposits in Post Bank

Maximum percentage – up to 9% per annum;
Minimum down payment amount – from 5 to 500,000 rubles;
Frequency of interest calculation – monthly, quarterly;
Method of opening a deposit – through mobile bank, Internet banking, in person;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor –+0.25% for opening a deposit for persons of retirement age, or for opening via the Internet, a savings account is also opened free of charge and a Visa card is issued free of charge.

Intermediate output: The bank provides bonuses for depositors, and deposits can also be closed ahead of schedule without losing interest.

Official website of the bank.

Deposits in Russian Standard Bank

Maximum percentage – 9%;
Minimum down payment amount – 10,000 rubles;
Frequency of interest calculation – monthly, quarterly, or upon expiration of the deposit term;
Method of opening a deposit – in person or via online banking;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: The bank has a choice of several types of deposits, and it is possible to replenish the deposit.

Official website of the bank.

Deposits in Ugra Bank

Maximum percentage – 10.5% (for the “Christmas Gift” deposit);
Minimum down payment amount – 100 rubles (on demand deposit);
Frequency of interest calculation – monthly;
Method of opening a deposit – any bank branch also has an online service;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: available amount for opening a deposit, there is an online service, you can replenish and withdraw funds.

Official website of the bank.

Deposits in Uralsib bank

Maximum percentage – to 10%;
Minimum down payment amount – 100 rubles (depending on the type of deposit);
Frequency of interest calculation – monthly;
Method of opening a deposit – via the Internet, in person at the bank office;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – available (depending on the type of deposit);
Participation in the state insurance system – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: The bank has a fairly wide selection of deposits; it is possible to open a deposit via the Internet.

Official website of the bank.

Comparative analysis of banks

Important: This table is compiled based on data obtained from official resources presented in the banks’ material! Data may change depending on changes in the policy of the banking organization.

Banks are arranged in descending order of maximum interest rate

Bank	Max. % on deposits	Conditions for obtaining max. %	Minimum down payment	Bonuses
UBRD	11,0%	when opening the “Holiday” deposit	1000-10000 rub.	"Bring a friend" campaign
Rosselkhozbank	10,9%	when opening a deposit for a period of more than 1 year	from 10 rub.	free card attached to the deposit
Bank "Ugra	10,5%	only for the “Christmas Gift” deposit	100 rub. (for deposit “On demand”)	information not reflected
Bank of Moscow	10,3%	if the deposit is opened via the Internet	1 ruble – 100,000 rubles.	for pensioners and salary clients
Uralsib	to 10%	depends on the type of deposit	100 rub. (depending on the type of deposit)	information not reflected
Bank Tinkoff	9,83%	depends on the type of deposit	50,000 rub.	debit card as a gift
Alfa Bank	9,8%	only for the “Life Line” deposit	10,000–3 million rubles.	only for owners of the “Valuable Time” deposit
Renaissance	9,75%	when opening the Renaissance Profitable deposit	depends on the type of deposit	information not reflected
Mosoblbank-Promsvyazbank	9.5% each	depends on the type of deposit	10000/10000 rub.	For those who have opened a “Personal” deposit/for premium clients +0.25 to the main %
Bank opening"	9,05%	depends on the amount and duration of the investment	50,000 rub.	when opened via the Internet
Post Bank/Russian Standard/Sovcombank	9.0% each	Post Bank only accepts deposits in rubles, not foreign currency.	5000/10000/30000 rub.	for pensioners/no/for opening via the Internet
Sberbank	8,8%	depends on the type of deposit	1–30,000 rub.	mortgage and consumer benefits lending
Bars Bank	8,5%	depends on the type of deposit	5000 rub.	You can open a deposit in the name of a third party
Binbank	8,4%	Only for the “Monthly Income” deposit	10,000 rub.	personal manager services
Gazprombank	8,0%	Only for the Gazprom Perspective deposit	15,000 – on the main deposit line and from 100 rubles. – on special	only for premium clients
VTB	7,85%	depends on the amount deposited	100,000 rub.	opportunity to receive premium service packages

So, dear readers! What conclusions arise based on all the analyzed information?

Firstly, opening deposits is not only possible, but also necessary. As we see, many banks are ready to provide various benefits and bonuses for opening a deposit with them. In particular, Sberbank is quite loyal to its depositors in terms of approving mortgage and consumer loans.

Secondly, some large and stable banking organizations (VTB, Sberbank) do not provide the most favorable conditions for deposits, in particular, not very high interest rates. Besides, it's quite a large sum VTB offers to make the first payment in order to open a deposit. In the current economic situation not everyone can do this.

Of course, Tinkoff Bank is worth attention, which does not offer the highest interest rate on the deposit, but provides the opportunity to use debit card, as well as credit, whose limit is gradually increasing (from personal experience).

You can talk a lot, but in any case, everyone will choose the bank that best suits the conditions for him and it is far from a fact that the high deposit rate will be the priority. Everything else is just the subjective opinion of your humble servant.

Now let’s talk about how you can open deposits for socially vulnerable categories of citizens. In particular, we will talk about deposits for pensioners.

Deposits for pensioners

The banking system does not stand still, but is developing quite successfully in our country. Now older people can also afford it, largely thanks to the mass of loyalty programs developed by the largest banks.

All serious and stable banks in Russia (Sberbank, VTB, Bank of Moscow, Sovcombank) accept deposits from pensioners at good interest rates. At the same time, it is possible to use large packages additional services absolutely free.

Let's take a closer look at what conditions apply to pensioners today.

Sberbank

This bank has developed a range of services for elderly people. The most popular are the “Replenish” and “Save” deposits. Interest is charged at the rate of 7.1/7.6 respectively. The minimum contribution is only 100 rubles. For the “Replenish” deposit, you are allowed to make payments every month, as well as use interest at your discretion.

VTB

In this bank, the conditions for pensioners are very comfortable. Although there is a minus: quite high minimum contributions for all deposit lines (from 15 to 30 thousand rubles). The interest rate for pensioners is from 4.35% to 8.5%.

Bank of Moscow

Developed 3 interesting offers for the category of citizens in question with a minimum contribution of 1 to 10 thousand rubles. For each deposit, replenishment of the amount is allowed. Interest rate from 2.9% to 7.9%.

Sovcombank

Preferential categories of citizens (a mandatory condition is age over 60 for men and 55 for women) can open a deposit with a minimum amount of 500 rubles. It is valid for 6 months, and the interest rate is 11% per annum. You can withdraw money once a month or at the end of the deposit period. Replenishment is allowed without restrictions.

Deposits for persons of retirement age in Lately are very popular among the older generation. They have higher rates and conditions are very flexible.

Deposit: what is it?

Deposit - this is the amount of money or securities that are stored in the bank, and the bank uses them in its financial transactions, and the investor receives interest for this.

There are 3 types of such deposits:

Classical;
With the ability to replenish;
With the opportunity not only to replenish, but also to withdraw some money.

Classic deposit – This is an account that cannot be topped up and money cannot be withdrawn.

Deposit with the ability to replenish – You can deposit funds into this account, but you cannot withdraw them.

With the third type of deposit, everything is simpler: by opening it, the depositor has greater freedom in handling his funds, but he will also receive less interest.

Also, any transaction with money and securities contains pitfalls that are worth mentioning:

If the amount deposited into the account is small, then you will not receive much profit;
Opening a deposit for a short period is unprofitable, the profit is insignificant;
A tax is charged on deposit interest (agreed upon when concluding the agreement).

The advantages are:

Ability to manage your account;
The deposit can be called at any time;
When using a deposit with capitalization, profits increase.

How is interest on a bank deposit calculated?

Interest on deposit is a type of remuneration that a bank pays to a depositor for using its funds.

For a simplified calculation, use the following formula:

S = (P*I*t/K)/100

S – amount of accrued %;
P – deposited amount;
I – interest on deposit for the year;
t – accrual period (days);
K – number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles for 1 year at 10.5% per annum. His income will be: 300,000*10.5*365/365/100=31,500 rubles.

If the deposit is capitalized, interest is calculated as follows:

S = (P*I*j/K)/100

S – amount of accrued%;
P – the deposited amount, as well as all subsequent amounts increased as a result of capitalization;
I – interest on deposit for the year;
j – number of days in the period for which capitalization will be carried out.
K – number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles with capitalization for 3 months at 10.5% per annum. His income will be: (300,000*10.5*30/365)/100=2589 rubles (for one month).

As we can see, there is nothing complicated in the calculation, despite the “threatening” appearance of the mathematical formulas.

What is the risk of a person opening a deposit in a bank?

All risks are divided into several categories. In this part, we’ll look at how to avoid them, or keep losses to a minimum.

So, there are the following types of risks:

Bankruptcy of the banking organization itself;
Reinvestment;
Collection of tax payments;
Increase in rates for deposits opened for a long time.

The first group of risks is minimized simply: money is placed in different banks, in the amount of up to 1 million 400 thousand rubles (deposits up to this amount are insured by the state).

When reinvesting, the situation may turn out like this: the client opened a deposit for 6 months at 9% per annum, and after 6 months the rates fell, he will receive 7%.

Tax payments will be collected if the rate on your deposit becomes higher than the 5% refinancing rate. Then a tax of 35% will be charged on the excess.

The risk when deposit rates increase is as follows: the client opened a deposit for a long time at 11% per annum, and a year later the rates increased to 14%, which means the client will lose 3%.

General advice: To minimize risks, choose carefully banking organization, as mentioned earlier!

In what currency should deposits be opened for individuals?

In light of the events that are taking place not only in the domestic but also in the global economy, experts advise keeping your savings in several types of currencies: rubles, euros and dollars. In addition, some banks offer to open multi-currency deposits . On the other hand, there are those that accept savings only in ruble equivalent (Pochta Bank).

In general, at the moment we can say that all world currencies are unstable. Therefore, the most correct decision would be: for 60% of the amount, open a ruble deposit, and the rest will be divided equally between foreign currency deposits. We carry out calculations in rubles, so the amount of such a deposit will exceed the rest.

This distribution principle will allow you to save your earned funds as much as possible.

In conclusion of today’s conversation, I would like to note that deposits are profitable financial instrument. They are safer and more transparent than loans, but before opening a deposit, study all the conditions.

Don’t be afraid to seem like a picky client: ask all the questions you are interested in to the bank employee, read the agreement carefully.

Video about bank deposits

And in conclusion, we suggest watching a useful video:

Even in a difficult economic situation in 2019, there is an opportunity to invest money in order to make money. One way is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.

Deposits from 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 make 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 quite high profits, but are also associated with a certain risk. Bank deposits individuals today remain the most reliable and traditional way investing savings in Russia.

We choose the most profitable investment: what to pay attention to

When choosing a bank to entrust money to, depositors usually 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 your savings even during a banking crisis.

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

What are the most profitable deposits in reliable Russian banks 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 2019.

For the purity of the experiment, we compared rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

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

Sovcombank

Deposit "Record percentage"

Replenishment / No partial withdrawal / Interest accrued monthly.

Rosselkhozbank

Deposit “Profitable (online)”

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

Promsvyazbank

Deposit “My income”

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

Post Bank

Interest rate

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

Gazprombank

Deposit "Savings (online)"

Interest rate

Sum

Main types of deposits of individuals

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

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

Replenishable deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability.

Deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued.

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

All banks are interested in attracting as much depositors' funds as possible to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by ease of account management. Before choosing banking program, you need to carefully weigh the pros and cons, and think through further opportunities use of the deposit.

In this article:

Choosing the right investment

Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.

It’s easy to choose the highest percentage, but what to do if you urgently need money? This is where they come to the rescue savings programs with the right to partial/full withdrawal of money. Having cashed out some 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. Standard "profitable" banking product, as a rule, does not include such an option. Its functions are to capitalize interest from month to month until the end of the contract term without the ability to manage and use early in cash. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

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

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

Deposit - from 100 thousand rubles.

BinBank

Annual interest is 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, 1500 $ and 1500 €.

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 €.

Replenishable deposits

Bank Trust "Accumulative"

The annual rate is 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. Deposit - from 300 thousand rubles.

Gazprombank "Accumulative"

The annual rate is 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 "Replenish"

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 €.

Deposits with early withdrawal

Bank Trust "All inclusive" with the ability to top up your account

Interest rates are 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" It has additional opportunity replenishment of 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 top up 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 €.

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - recipe profitable investment money is different for everyone and depends on the depositor’s attitude to the bank’s reliability, auto-renewal, capitalization and other conditions. The best interest rates on deposits usually involve risks and some inconvenience for the depositor.

This page contains a collection of banks offering maximum bets interest on deposits. To get to know best offers and programs in more detail, click the “Apply” button - you will be redirected to the bank’s website.

"Creditznatok" is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income— here you will find the highest interest rates on deposits in Moscow and can now profitably manage your money.

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

not allowing replenishment and partial withdrawal of funds;
not allowing withdrawal of income before the end of the contract;
promotional offers from banks dedicated to memorable dates.

Time deposits at the highest interest rates can also be found among foreign currency products: the interest rate here is lower than that of ruble deposits, but the options are very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

It is easier to find profitable deposits at high interest rates in less popular small banks. Having an impeccable reputation, large banks don't need the most high stakes to attract investors - many of them choose reliability and stability instead of quick money. Additional advantages - convenient Internet banking, bonus programs, the presence of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to invest your funds profitably. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail the need to pay a tax of 35% on the difference between the interest.

To find out more, click on the "Checkout" button: get all necessary information and fill out an application on the bank’s website. Look for great deals with "Creditznatok"!