Deposits help not only save money from inflation, but also plan your finances. Some deposit programs allow you to transfer accumulated interest monthly to a separate account: this way you can either start saving for a large-scale purchase.

There are many different banks operating in Moscow today, the programs of which are tailored to any needs of clients. We have compiled a rating of deposits from large percentages, as well as favorable bonuses and conditions.

“My strategy” (Promsvyazbank)

Conditions:

currency: rubles;

highest rate: 8%;

amount: from RUB 50,000;

terms: from 181 days.

This is a special insurance deposit. It is beneficial to open it for participants in the investment life insurance program. This can be done from one of the bank’s three Moscow partners: LLC “MAX – Life” (program “Manage Capital”), LLC “VSK – Life Line” (program “Growth Line”) or LLC “SK Ingosstrakh – Life” (program “ Vector"). Pay attention to the amount of the insurance premium specified in the policy: it is the maximum deposit amount available to you.

Interest is transferred to the individual’s card at the end of the deposit period. Capitalization, account replenishment and partial withdrawal of funds are not provided. Early dissolution contract occurs at a rate of general conditions. You can open a deposit at a bank office. There are 39 branches of Promsvyazbank in Moscow.

Terms and rates:

from 50,000 to 999,999 rubles: 181, 367 days (7.85%);
from 1,000,000 to 3,000,000 rubles: 181, 367 days (8%).

"Maximum Income" (Revival)

Conditions:

currency: rubles / US dollars;

highest rate: 7.6% / 2.1%;

amount: from 50,000 rub. / from $1,500;

terms: from 181 days.

This special insurance deposit is beneficial for individuals who have entered into an investment life insurance agreement with Bank Vozrozhdenie. If you refuse insurance within two weeks from the moment of signing the papers, the deposit will remain, but the interest rate will be reduced by 1% in rubles and by 0.5% in US dollars.

Interest is transferred to the client's card at the end of the contract. It is impossible to replenish or partially withdraw money. Early termination – on general terms (at the demand rate). You cannot open a deposit online. There are 5 representative offices of Bank Vozrozhdenie in Moscow.

Terms and rates for rubles:

from 50,000 to 50,000,000 rubles: 181, 367 days (7.6%); 547 days (7.4%).

from $1,500 to $170,000: 181 days (1.5%); 367 days (2%); 547 days (2.1%).

"Renaissance Profitable" (Renaissance Credit)

Conditions:

highest rate: 7.5% / 1.5% / 0.5%;

amount: from 30,000 rub. / from 500 $ / from 500 €;

terms: from 91 days.

Interest, at the request of an individual, is transferred either to a current account or to any bank card. Replenishment or partial withdrawal of money is not provided. Early termination of the contract occurs at favorable preferential terms at the following rates: in rubles 91-180 days – 2.75%; 181-366 days – 3.75%; 367-399 days – 4%. In dollars 91-399 days – 0.15%. In euros – 0.1%. The maximum number of auto renewals is unlimited.

It is possible to open a deposit via the Internet. In this case, the minimum deposit amounts change to 5,000 for rubles and 100 for dollars and euros. There are 19 bank branches in Moscow.

Terms and rates for rubles:

from RUB 30,000: 91 days (6.35%); 181 days (7%); 271 days (7.5%); 367 days (7%); 400 days (7.25%).

Terms and rates for US dollars:

from $500 to $24,999: 91 days (0.35%); 181, 271 days (1.25%); 367, 400 days (1.5%);
from $25,000: 91 days (0.6%); 181, 271 days (1.25%); 367, 400 days (1.5%).

Terms and rates for euro:

from 500 to 24,999 €: 91,181, 271, 367, 400 days (0.25%);
from 25,000 €: 91,181, 271, 367, 400 days (0.5%).

"Absolute Maximum +" (Absolut Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.5% / 2% / 0.5%;

terms: from 91 days.

When opening a deposit, the bank issues a plastic card to the individual. VISA card. At the end of the contract, the accumulated funds are transferred to it. Account replenishment and partial withdrawals are not possible.

Conditions for early termination are preferential. If the money is in the bank’s circulation for less than 181 days, it is returned at the demand rate. More than 181 days - add 0.6% of the rate at which the contract was concluded.

When prolongations occur, there is a beneficial increase in the interest rate. From the first to the fifth renewal of a deposit in rubles, 0.25% is added to the current annual interest rate. A deposit can be opened through Internet banking or at one of the Absolut Bank offices in Moscow. There are 13 of them open in the capital.

Terms and rates for rubles:

from 30,000 to 1,399,999 rubles: 91-180 days (6.5%); 181 days (7%); 182-271 days (6.8%); 272-366 days (6.9%); 367 days (7.05%); 368-721, 722-1080 days (6.4%);
from RUB 1,400,000 to RUB 2,999,999: 91-180 days (6.6%); 181 days (7.1%); 182-271 days (6.9%); 272-366 days (7%); 367 days (7.15%); 368-721, 722-1080 days (6.5%);
from RUB 3,000,000: 91-180 days (6.7%); 181 days (7.2%); 182-271 days (7%); 272-366 days (7.1%); 367 days (7.5%); 368-721, 722-1080 days (6.6%).

Terms and rates for US dollars:

from $1,000 to $9,999: 91-180, 181 days (0.6%); 182-271 days (1%); 272-366 days (1.2%); 367 days (1.6%); 368-721, 722-1080 days (1.5%);
from $10,000 to $34,999: 91-180, 181 days (0.6%); 182-271 days (1.2%); 272-366 days (1.4%); 367 days (1.8%); 368-721, 722-1080 days (1.7%);
from $35,000: 91-180, 181 days (0.7%); 182-271 days (1.4%); 272-366 days (1.6%); 367 days (2%); 368-721, 722-1080 days (1.85%).

Terms and rates for euro:

from 1,000 to 9,999 €: 91-180, 181 days (0.01%); 182-271 days (0.05%); 272-366 days (0.1%); 367 days (0.35%); 368-721 days (0.1%); 722-1080 days (0.05%);
from 10,000 to 34,999 €: 91-180, 181 days (0.01%); 182-271 days (0.1%); 272-366 days (0.15%); 367 days (0.4%); 368-721 days (0.2%); 722-1080 days (0.1%);
from 35,000 €: 91-180, 181 days (0.01%); 182-271 days (0.15%); 272-366 days (0.2%); 367 days (0.5%); 368-721 days (0.3%); 722-1080 days (0.15%).

"Classic" (Moscow Industrial Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.25% / 1.5% / 0.25%;

amount: from 30,000 rub. / from 1,000 $ / from 1,000 €;

terms: 365 days.

Interest is paid at the end of the term. Deposits and partial withdrawals are not provided. Early termination occurs at the demand rate. There is no auto-renewal.

When opening a deposit online, as well as for pensioners and veterans (must show identification), the maximum rate increases favorably by 0.25%. You can also use an ATM or go to a bank office. There are 28 of them open in Moscow.

Terms and rates for rubles:

from 30,000 to 1,499,999 rubles: 365 days (7%);
from RUB 1,500,000: 365 days (7.25%).

Terms and rates for US dollars:

from $1,000: 365 days (1.5%).

Terms and rates for euro:

from 1,000 €: 365 days (0.25%).

“Profitable year” (Home Credit Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7% / 1.5% / 0.5%;

terms: 365 days.

Interest is paid monthly or transferred to the account bank card, specified by an individual, or remain on the deposit balance and are capitalized, which will have a beneficial effect on further increases. Partial withdrawals are not allowed until the end of the contract term. It is allowed to replenish the account within the first 30 days from the date of the deposit. The minimum amount for a one-time top-up is 1,000 rubles, 100 US dollars or euros. Maximum – unlimited.

Early termination is possible only at the demand rate. The number of automatic renewals is unlimited. The deposit can be opened via Internet banking or in the office. There are 19 bank branches open in Moscow.

“Smart Deposit (with increased rate)” (Tinkoff Bank)

Conditions:

currency: rubles / US dollars / euros / pounds sterling;

highest rate: 7% / 1.5% / 0.4% / 0.4%;

amount: from 50,000 to 30,000,000 rubles. / from 1,000 to 1,000,000 $/€/£;

terms: from 91 days.

Along with signing the deposit agreement, the individual is given debit card Tinkoff Black. Interest is paid on it. They can be capitalized if desired. Mono-currency deposits can be advantageously transferred to multi-currency deposits without loss of interest. The conversion rate is set by Tinkoff Bank.

You can top up your account with any amount within 30 days from the date of opening the deposit. This will not increase the interest rate, even if the new “threshold” is passed. You can partially withdraw money no earlier than two months after opening the deposit (interest is automatically recalculated). It is permissible to withdraw at least 15,000 rubles or 500 dollars, euros and pounds sterling at a time.

Early termination of the contract occurs at the demand rate. Automatic renewal is carried out a maximum of 5 times. Since Tinkoff has only one representative office in Moscow, it will be faster and more convenient to sign an agreement using an online application on the bank’s website. A consultant will come to you with a package of documents. In addition, for transactions with deposits in the Moscow office you will have to pay an additional 1,000 rubles.

Terms and rates for rubles:

from 50,000 to 30,000,000 rubles: 3-5 months (5.5%); 6-11, 12 months (7%); 13-24 months (6%).

Terms and rates for US dollars:

from $1,000 to $1,000,000: 3-5 months (0.2%); 6-11 months (1%); 12, 13-24 months (1.5%).

Terms and rates for euros and pounds sterling:

from 1,000 to 1,000,000 €/£: 3-5, 6-11 months (0.2%); 12, 13-24 months (0.4%).

"All Inclusive Online" (Moscow Credit Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7% / 1.6% / 0.7%;

amount: from 1,000 rub. / from 100 $ / from 100 €;

terms: from 95 days.

At the end of the contract, interest is transferred to the individual’s card. Replenishment and partial withdrawal of funds by this contribution not provided. If you urgently need this service, the bank will provide the opportunity to change the tariff plan to “Savings” or “Settlement”.

After the necessary manipulations, it will be impossible to change the tariff plan again or return to the old one.

Terms and rates for rubles:

from RUB 1,000: 95 days (6%); 185 days (6.5%); 370 days (7%).

Terms and rates for US dollars:

from $100: 95 days (0.9%); 185 days (1.25%); 370 days (1.6%).

Terms and rates for euro:

from 100 €: 95 days (0.16%); 185 days (0.35%); 370 days (0.7%).

“Maximum interest (at the end of the term)” (Promsvyazbank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 6.7% / 1.75% / 0.1%;

amount: from 5,000,000 rub. / from 100,000 $ / from 100,000 €;

terms: from 91 days / from 91 days / from 367 days.

For this type of deposit, only the withdrawal of interest is provided for the entire period of the agreement, however, the rates here are more favorable compared to similar ones, which include monthly payments. You can open it only if you have a valid agreement to connect to the program Private Banking, except for the Avantage program.

Individuals are allowed to deposit additional funds within the first two months from the date of placing the deposit. Partial withdrawals are not provided. Early termination – at the demand rate. If the deposit remained among the bank’s assets for more than 183 days, interest is returned at a rate of 0.65 previously agreed upon per annum.

There are no automatic renewals. The deposit can be opened via Internet banking or at the Promsvyazbank office. 39 branches of the financial institution are open in Moscow.

Terms and rates for rubles:

from RUB 5,000,000: 91 days (6.2%); 184 days (6.4%); 367, 547, 732, 1100 days (6.7%).

Terms and rates for US dollars:

from $100,000: 91 days (0.8%); 184 days (1.4%); 367 days (1.75%); 547, 732, 1100 days (0.1%).

Terms and rates for euro:

from 100,000 €: 367, 547, 732, 1100 days (0.1%).

“Your deposit” (Post Bank)

Conditions:

currency: rubles;

highest rate: 6.5%;

amount: from RUB 50,000;

terms: 367 days.

Interest is paid at the end of the contract term. You are allowed to top up your account within the first 10 days from the start of the deposit. Partial withdrawal is excluded. Early termination – at the demand rate.

If you open a deposit via Internet banking, 0.25% will be added to the maximum rate. The same bonus is given to pensioners who receive a pension into an account with tariff plans“Pensioner” and “Salary pensioner”. If you connect these tariffs already during the validity of the “Your Deposit” deposit, bonuses will not be added.

Terms and rates:

from 50,000 to 4,999,999 rubles: 367 days (6.5%);
from RUB 5,000,000: 367 days (5.5%);

"New Pension" (Moscow Regional Bank)

Conditions:

currency: rubles / US dollars / euros;

highest rate: 7.25% / 2.3% / 0.6%;

amount: from 10,000 rub. / from 300 $ / from 300 €;

terms: 366 days.

This good deposit for pensioners. Only individuals with a pension certificate can invest in it. The accumulated interest is either transferred to the client’s card monthly or left on the deposit account, which beneficially increases further payment amounts. Replenishments and partial withdrawal no funds are provided.

Early termination occurs on preferential terms. They return from 1.05 to 3.55% in rubles, from 0.5 to 1.05% in dollars and from 0.15 to 0.45% per annum in euros. The maximum number of auto-renewals is unlimited. There are 8 bank branches in Moscow.

Terms and rates for rubles:

from 10,000 to 9,999,999 rubles: 366 days (6.75%);
from 10,000,000 to 49,999,999 rubles: 366 days (7.05%);
from RUB 50,000,000: 366 days (7.25%).

Terms and rates for US dollars:

from $300 to $999,999: 366 days (2.25%);
from $1,000,000: 366 days (2.3%).

Terms and rates for euro:

from 300 to 999,999 €: 366 days (0.5%);
from €1,000,000: 366 days (0.6%).

“Save Online” (Sberbank of Russia)

Conditions:

currency: rubles / US dollars;

highest rate: 4.45% / 1.35%;

amount: from 1,000 rub. / from 100 $;

terms: from 30 days.

This year continues, issued before 1991. You can also issue new program deposit. Interest on this deposit is either paid monthly to the specified account of the individual, or is capitalized. Deposits and partial withdrawals are not provided. In case of early termination of a deposit opened for more than six months, the client is returned 2/3 of his interest rate. Deposits opened for a shorter period are terminated at the demand rate.

The deposit is opened only using the Sberbank Online system. It can be accessed not only on the Internet, but also at ATMs. There are 1,374 SB RF ATMs operating in Moscow. This program has the largest deposits, so it’s really more profitable not to visit the office to make another deposit. The number of automatic renewals is unlimited.

Terms and rates for rubles:

from 1,000 to 99,999 rubles: from 1 to 2 months. (3.8%); from 2 to 3 months. (3.95%); from 3 to 6 months. (4%); from 6 months up to 1 year (4.15%); from 1 to 2 years, from 2 to 3 years, 3 years (4.05%);
from 100,000 to 399,999 rubles: from 1 to 2 months. (3.95%); from 2 to 3 months. (4.1%); from 3 to 6 months. (4.15%); from 6 months up to 1 year (4.3%); from 1 to 2 years, from 2 to 3 years, 3 years (4.2%);
from 400,000 rubles: from 1 to 2 months. (4.1%); from 2 to 3 months. (4.25%); from 3 to 6 months. (4.3%); from 6 months up to 1 year (4.45%); from 1 to 2 years, from 2 to 3 years, 3 years (4.35%).

Terms and rates for US dollars:

from 100 to 2,999 $: from 1 to 2 months, from 2 to 3 months. (0.1%); from 3 to 6 months. (0.3%); from 6 months up to 1 year (0.65%); from 1 to 2 years (1%); from 2 to 3 years (1.15%); 3 years (1.25%);
from $3,000: from 1 to 2 months, from 2 to 3 months. (0.15%); from 3 to 6 months. (0.35%); from 6 months up to 1 year (0.7%); from 1 to 2 years (1.1%); from 2 to 3 years (1.25%); 3 years (1.35%).

Let's sum it up

Always read the terms of deposit carefully. Sometimes interest is less where included Additional services– and you will not need these services at all. In such cases, it is better to take a closer look at other, more profitable offers.

They are practically no different from Moscow ones. Opening a deposit for a minimum and maximum period is fraught with low profits in the first case and large risks in the second. That's why average term 100-180 days is optimal. Also, due to low returns, you should not invest amounts less than 100-200 thousand rubles or their currency equivalent.

It is formed based on the total volume of incoming funds. If you are looking financial institution with high scores, thanks to ranking you will be able to choose the appropriate one. Based on the information provided, you can choose optimal offers on profitability and interest rates.

Features of the formation of the rating of Russian banks by deposits

Russia by deposits is formed according to the Central Bank of the Russian Federation. The analysis also takes place based on other indicators:

Positions in the ranking compiled by independent agencies.
Opinions of clients who have already made transactions with this bank.
Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size equity institutions. The more funds, the less likely that he will be declared insolvent.

Rating of banks in Russia by retail deposits in 2020

In 2020, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more trust there is in this financial organization. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

interest rates,
creditworthiness.

The top best banks may change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks today is based on reports provided by financial organizations. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also other indicators.

If we consider the ranking by interest rates, the list may be different. When choosing, pay attention to the rating full cost deposits. It includes additional payments, bonuses and other gifts for investors.

It's no secret that many Russians keep their accumulated funds in various banks. Agree that this is a good way to get passive income. Almost every one of us has ever thought or is thinking about investing our funds in a bank.

Why do many people choose this method of investing? The answer is extremely simple. Firstly, quick income. Secondly, simplicity of action. No special knowledge is needed here. It is enough to study the rating of banks by interest on deposits and choose the best option for yourself.

What is a bank deposit?

A deposit is money transferred to a bank for safekeeping at a certain interest rate. After a certain time, the funds are returned to larger volume. It depends on the interest rate and the money you invest.

Bank deposits are regarded by the state as entrepreneurship, and accordingly, you need to pay tax.

All banks need investors, so interest-bearing deposits are constantly changing, more and more sophisticated ways to attract customers are being invented, and the rating of banks in terms of interest on deposits is changing. It is important to remember that banks will definitely not make offers that could be to their detriment.

What do you need to know when choosing a deposit program?

Before you invest your funds, be sure to study all the conditions. Firstly, it may have a floating rate. Secondly, the program may have various additional conditions.

Banks often organize seasonal promotions. For example, New Year's. Credit organizations They offer to invest funds with increased interest rates, and it is precisely at such times that it is most worthwhile to look at the rating of banks by interest on deposits.

Five rules when placing a bank deposit

Many people do not understand investments at all, so before you give away your money, you need to carefully study everything, and five golden rules will help you with this. Be sure to read them.

Rule 1. Money should not be in one institution

Many people decide to invest a large amount in one organization. You should not do this if you are not completely confident in the institution. As you know, the insurance agency will not pay you more than 1.4 million in case of anything. It doesn't matter how many deposits you have in the bank. total amount for them will not exceed this.

Rule 2. Deadline

In this case, you should think carefully. There is a calculator on the website of each credit institution. All financial organizations They focus specifically on the period of placement of the deposit. If you are confident in the bank, then you can invest money for a long period, but if it exists not so long ago, then you can place funds on short terms.

Rule 3. Withdrawal of the received amount

Many investors are attracted by significant interest rates with minimal investment amounts. Usually such deposits are not replenished, but sometimes interest can be withdrawn.

In fact, the money is practically dead, since if the deposit is closed early, you will be fined and the interest will have to be returned.

Rule 4. Capitalization

Not many investors pay attention to this, but they should. After all, the more often capitalization occurs, the more money You'll get. Simply put, capitalization is the compounding of interest on interest.

Rule 5. Deposit replenishment

This is a nice plus. You can supplement your contribution with funds at any time and receive more. Of course, interest rates with such conditions are usually lower, but for many it is very convenient.

Below we will tell you which banks have the highest interest rates.

What deposits are there?

There are a lot of bank deposits and each of them has its own advantages and disadvantages. Nevertheless, there is a unified classification of deposits.

On demand - depends directly on the term of the deposit.
Replenishable or non-replenishable deposit. Everything is very clear here.
Currency. Deposits can be made not only in rubles, but also in dollars and euros.

The difference between a demand deposit and a time deposit is its term. Time deposit usually from one month to several years, and there is no deadline for demand. That is, a person can withdraw funds when he needs them.

As for currency, domestic banks have a choice. But the interest on foreign currency much lower, although they are much more stable and this has its advantages. The first thing worth considering is the rating of banks based on interest-bearing deposits.

Rating of banks by deposits

The "Absolute Champion Plus" contribution to the commercial Maximum rate is 8.5 percent. The period for placing your money is from 91 days to 180 days. Minimum amount is 10,000 rubles.
Deposit "Profitable" in the commercial bank "BBR Bank". Maximum rate - 8.4 percent. The period for placing your money is from 91 days to 730 days. Minimum deposit amount is 5000 rubles.
Contribution " Maximum percentage in the Internet bank" in the commercial bank "Binbank". Maximum rate - 8.3 percent. The period for placing your money is from 91 days to 730 days. Minimum amount - from 10,000 rubles to 30,000,000 rubles.
Deposit "Maximum Income" from standard." Maximum on deposit - 8 percent. The period for placing your money is from 91 days to 720 days. Minimum amount - 10,000 rubles.
Contribution "Classic" from commercial bank and "Soyuz". The maximum deposit rate is 8 percent. The period for placing your money is from 93 to 367 days. Minimum amount - 10,000 rubles.
Deposit "Maximum online income" from commercial bank"Sovkobank". The maximum deposit rate is 7.9 percent. The period for placing your money is from 31 days to 365 days. Minimum amount - 30,000 rubles.
Deposit "Income Formula" from the commercial bank "Sotsinvestbank". The maximum deposit rate is 7.85 percent. The period for placing your money is from 91 days to 365 days. Minimum amount is 100,000 rubles.
Deposit "Maximum Income" from the commercial bank "Svyazbank". The maximum deposit rate is 7.75 percent. The period for placing your money is from 1 month to 3 years. Minimum amount - 30,000 rubles.
Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period for placing your money is from 91 to 1065 days. Minimum amount - 50,000 rubles.
online" from state bank"Rosselkhozbank". The maximum deposit rate is 7.55 percent. The period for placing your money is from 31 to 1460 days. Minimum amount - 3,000 rubles.

Many people are interested in interest on interest, so the next part of the article will be devoted to the rating of banks by deposits with interest capitalization.

Deposits with capitalization

Rating of interest rates on deposits in Moscow banks

Premium Rentier deposit from the commercial bank TKB. The maximum deposit rate is 8.50 percent. The period for placing your money is from 31 to 1460 days. Minimum amount - 50,000,000 rubles.
Deposit "Rozhdestvensky VIP" from the commercial bank "Vostochny". The maximum deposit rate is 8.20 percent. The period for placing your money is from 91 to 367 days. Minimum amount - 1,000,000 rubles.
Deposit "Reliable" from commercial bank "TRUST". The maximum deposit rate is 7.95 percent. The period for placing your money is from 91 to 181 days. Minimum amount - 50,000 rubles.
Deposit "Easy income" from the commercial bank "SMP Bank". The maximum deposit rate is 7.89 percent. The period for placing your money is 367 days. Minimum amount is 100,000 rubles.
Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period for placing your money is from 91 to 1065 days. Minimum amount - 50,000 rubles.

Banks in St. Petersburg: rating, deposits, interest

Deposit "Business" from the commercial bank "MBSP". The maximum deposit rate is 8.50 percent. The period for placing your money is 1 year. Minimum amount - 5,000,000 rubles.
Deposit "Digital bonus" from commercial online." Maximum deposit rate - 8.50 percent. Period of placing your money - 3 months. Minimum amount - 100,000 rubles.
Deposit "For Your Own Plus" from the commercial bank "Expertbank". The maximum deposit rate is 8.50 percent. The period for placing your money is 1 year. Minimum amount - 1,000 rubles.
"VIP" deposit from the commercial bank "Transstroybank". The maximum deposit rate is 8.50 percent. The period for placing your money is 400 days. Minimum amount - 3,000,000 rubles.
Deposit "Maximum income with Halva" from the commercial bank "Sovcombank". The maximum deposit rate is 8.40 percent. The period for placing your money is 3 months. Minimum amount - 30,000 rubles.

And finally, we will tell you about the highest percentage of deposits in Russian banks in the ranking.

The highest percentage of deposits (largest banks in Russia)

Deposit "Savings" from the commercial bank "Alfa-Bank". The maximum deposit rate is 7.31 percent. The period for placing your money is 1 year. Minimum amount - any.
Deposit "Smartvklad" from the commercial bank "Tinkoff". The maximum deposit rate is 7.21 percent. The period for placing your money is 334 days. Minimum amount - 50,000 rubles.
Deposit "Simply" from the commercial bank "Sberbank". The maximum deposit rate is 7 percent. The period for placing your money is 5 months. Minimum amount is 100,000 rubles.

Payment of insurance compensation

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Payment of insurance compensation

Dear investors!

Expobank LLC performs the functions of an agent bank of the State Corporation "Deposit Insurance Agency" for payment insurance compensation to depositors of banks participating in the deposit insurance system:

For individual entrepreneurs– on deposits (accounts) associated with entrepreneurial activity. Payments to individual entrepreneurs are made, including on deposits (accounts) not related to business activities, depositors: OJSC "Bank Russian Credit"

Payments to depositors – individuals

Payments are made:

within 3 working days from the date of receipt of the application and documents, in Russian rubles by cashless transfer to an account (deposit) in Expobank or to an account in third party bank, without deduction of commission and (or) other remuneration;
no later than the next working day from the date of receipt of the application and documents, in Russian rubles by receiving cash Money at the Expobank cash desk;

Information for opening a deposit in Expobank

Expobank offers highly profitable deposits:

Opening a deposit is possible as soon as possible upon receipt of insurance compensation at any Expobank office that pays insurance compensation. You can find detailed information about the conditions for opening a deposit with Expobank in the Deposits section.

To receive insurance compensation, the depositor must submit the following documents to Expobank:

when applying for payment of compensation from a person who is not a depositor, the applicant (legal representative of the depositor, heir of the depositor) submits in the prescribed form, identification document of the applicant, as well as all Required documents, confirming the applicant’s right to represent the interests of the depositor or on other grounds to dispose of the compensation due to the depositor. If the applicant's powers are confirmed by an appropriate power of attorney, it must be notarized. The power of attorney must include the authority to represent the interests of the investor when receiving insurance compensation or be of a general nature (general power of attorney), i.e. contain powers to use and dispose of all the property of the principal and to exercise his rights and obligations, including representation before any third parties on all issues and to conduct any affairs on behalf of the represented one. An example text of the power of attorney is also posted on the DIA website.

Document forms:

Payments to depositors - individual entrepreneurs

Procedure for receiving insurance compensation

Payments are made:

within 3 working days from the date of receipt of the application and documents;
in Russian rubles by non-cash transfer to an account in Expobank or to an account in a third-party bank, without deduction of commission and (or) other remuneration (for payments to individual entrepreneurs or individuals);
in the amount specified in the Register of Insurance Compensation Payments provided by Expobank LLC State Corporation"Deposit Insurance Agency".

Information for opening an account with Expobank

At Expobank you can open a current account in rubles. Opening an account is possible in the shortest possible time at any Expobank branch. WITH detailed information O required package Documents can be found in the Cash Services section.

To receive insurance compensation, you must submit the following documents to Expobank:

Application for payment of compensation for deposits and for inclusion of the bank’s obligations in the register of creditors’ claims in the form established by the State Corporation “Deposit Insurance Agency”;
a document certifying the identity of the depositor, the details of which are specified in the bank deposit agreement, or a document certifying the identity of the depositor and containing information about the details of the document certifying the identity of the depositor specified in the bank deposit agreement;
if the document certifying his identity submitted by the depositor does not contain information about the details of the document specified in the bank deposit agreement, the depositor must submit a certificate issued authorized body, which issues and replaces identification documents confirming the replacement of the document and containing the details of the replaced (specified in the deposit agreement) and the newly issued document;
Certificate of registration in tax authority(TIN) of an individual entrepreneur;
Certificate of state registration an individual as an individual entrepreneur (OGRNIP). If at the time of payment of compensation individual entrepreneur declared insolvent (bankrupt), then the application for payment of compensation for deposits is accompanied by a certificate (or other document) issued by the bankruptcy trustee or the court that made the decision to recognize the depositor as insolvent (bankrupt) (if a bankruptcy trustee has not been appointed) stating that the account specified in the application, is the debtor’s account (the debtor’s main account) used during bankruptcy proceedings opened against the depositor, or the debtor’s current account opened on his behalf by the bankruptcy trustee, or deposit account ships;
when applying for payment of compensation to a person who is not a depositor, the applicant (legal representative of the depositor, heir of the depositor) submits an Application for payment of compensation for deposits in the prescribed form, an identification document of the applicant, as well as all necessary documents confirming the applicant’s right to represent the interests depositor or for other reasons dispose of the compensation due to the depositor. If the applicant's powers are confirmed by an appropriate power of attorney, it must be notarized. The power of attorney must include the authority to represent the interests of the investor when receiving insurance compensation or be of a general nature (general power of attorney), i.e. contain powers to use and dispose of all the property of the principal and to exercise his rights and obligations, including representation before any third parties on all issues and to conduct any affairs on behalf of the represented one. An example text of the power of attorney is also posted on the DIA website.

Document forms:

If the amount of insurance compensation exceeds 1,400,000 rubles, you need to file a Creditor's Claim. The applicant has the right to independently present a demand to the temporary administration.

Bank depositors in respect of whom an insured event occurred can obtain information on the procedure for paying insurance compensation by calling the unified information phone number of Expobank LLC 8 800 500 07 70 (toll-free call) or by telephone hotline“Deposit Insurance Agency” (DIA) 8 800 200 08 05, as well as on the DIA website http://www.asv.org.ru.

Information about the address of the temporary administration is provided by calling the Deposit Insurance Agency (DIA) hotline 8 800 200 08 05, as well as on the DIA website.

Archive of contributions

2019 2018 2017 2016 2015

29.05.2018

DEAR CLIENTS!

For home and family - Deposits
Expobank Premier - Deposits

09.02.2018

DEAR CLIENTS!

You can view the new conditions and interest rates on the website in the section:
For home and family - Deposits
Expobank Premier - Deposits

22.01.2018

DEAR CLIENTS!

We inform you about changes in time bank deposits for individuals, effective from January 29, 2018:

new deposits “Save up for the season!”, “Current” and the “Maximum” deposit are launched
conditions for deposits “Capital”, “Dynamic”, “Dynamic Ultra”, “Universal”, “Universal Ultra” are being improved
interest rates on deposits “Universal”, “Universal Ultra” are changing when placing a deposit in US dollars for 365 days.

13.11.2017

DEAR CLIENTS!

We inform you about changes in time bank deposits for individuals:

11/15/2017 some conditions and interest rates of time bank deposits in US dollars are changing
from November 20, 2017, a new premium deposit “Rozhdestvensky” will be introduced

25.10.2017

DEAR CLIENTS!

From October 25, 2017, some conditions and interest rates of time bank deposits for individuals are changing.

You can get acquainted with the new conditions and interest rates on deposits of individuals on the website:
Terms of basic deposits
Terms of premium deposits

Sincerely, Expobank LLC

17.10.2017

Dear Clients!

From October 17, 2017, the conditions and interest rates on deposits of individuals will change.

22.09.2017

Dear Clients!

From September 22, 2017, the conditions and interest rates on deposits of individuals will change.

15.08.2017

Dear Clients!

From August 15, 2017, the conditions and interest rates on deposits of individuals will change.

01.08.2017

Dear Clients!

From 01.08.2017, the conditions and interest rates on deposits of individuals will change.

26.05.2017

Dear Clients!

From May 26, 2017, the conditions and interest rates on deposits of individuals will change.

14.04.2017

Dear Clients!

From April 14, 2017, the conditions and interest rates on deposits of individuals in Moscow are changing. From April 17, 2017 – in the regions

08.12.2016

DEAR CLIENTS!

From 12/08/2016, the conditions and interest rates on deposits of individuals will change.

For home and family - Deposits
Expobank Premier - Deposits

07.11.2016

DEAR CLIENTS!

From November 7, 2016, the conditions and interest rates on deposits of individuals will change.

For home and family - Deposits
Expobank Premier - Deposits

17.10.2016

DEAR CLIENTS!

From October 17, 2016, the conditions and interest rates on deposits of individuals will change:

acceptance of the “Multi-currency” deposit is cancelled;
the minimum amount for opening a “Basic” deposit is changed;
interest rates on fixed-term loans change bank deposits in rubles.

You can learn more about the new conditions and interest rates on deposits of individuals on the website in the section:
For home and family - Deposits
Expobank Premier - Deposits

01.09.2016

DEAR CLIENTS!

From September 1, 2016, the conditions and interest rates on deposits of individuals will change.