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• Analytics

  Otkritie: investment products are becoming an alternative to deposits

  According to Otkritie Bank, in Lately Russians are increasingly filming available funds from deposit accounts and invest in investment products.The population has about 30 trillion rubles in its hands. Next fall financial structure plans to conduct an IPO. Perhaps the bank will sell securities to private investors.

  12 Feb 2020

• New Product

  Gazprombank presented the “Success” deposit

  Gazprombank launched a new deposit service. The profitability of the “Success” deposit is 6.3% per annum, the period of placement of funds is 181 days, the placement amount is from 2 to 15 million rubles. The deposit is non-replenishable. Partial withdrawal of funds from the account is not carried out. The possibility of prolonging the agreement is not provided. The deposit can be issued in departments

  10 Feb 2020

• New Product

  MKB presented a New Year's deposit of increased profitability

  Moscow credit bank offers to open a deposit with a yield of 7.7% per annum. The deposit is issued as part of a comprehensive financial program, which also involves the discovery of individual investment account and conclusion of an agreement trust management securities. The deposit amount cannot exceed the amount placed

  06 Dec 2019

• New Product

  Zapsibcombank presented the seasonal deposit “Traditions of Growth”

  Zapsibkombank has developed a new financial product– seasonal contribution “Traditions of Growth”. The offer is relevant for new depositors, as well as for existing bank clients who wish to place additional funds. The maximum rate of return within the deposit program is 7.8% per annum. Funds are placed for six months. Amount

  25 Oct 2019

• Analytics

  Depositors received almost 33 billion rubles from the DIA. in 6 months

  From January to June, the Deposit Insurance Agency paid insurance compensation 55.8 thousand people. Such data was published on the state corporation’s website. For the first six months, the DIA paid former investors bankrupt banks 32.8 billion rubles. Half of the people who have the right to claim insurance benefits received this money.

  July 23, 2019

• New Product

  Surgutneftegazbank presents the “Seasonal” deposit

  For its new seasonal deposit, Surgutneftegasbank chose the name “Seasonal”. The deposit can be made until the end of August of the current year. The minimum amount for placement within the deposit program is 10 thousand rubles. The maximum yield is 8% per annum. Income is paid at the end of the deposit period. You can top up the deposit

  July 10, 2019

• Banking discussions

  RF Armed Forces: case of controversial deposits

  I did not agree with the manager’s arguments about the absence of an agreement between Belous and Ekaterininsky. Supreme Court. At the meeting, the plaintiff said that he spoke personally with the president of the bank about opening deposits. In his office he handed over the money and received cash receipt orders. He signed the contracts that were offered to him, and he

  May 03, 2019

• Legislation

  Deputies propose increasing insurance payments to depositors

  Lawmakers believe that separate categories citizens should increase the amount insurance compensation up to ten million rubles. A corresponding bill has been submitted to the lower house of parliament. We are talking about people whose accounts, for a number of reasons, turned out to have more money than the state can guarantee to return. For example, if

  05 Apr 2019

“Remember that money has the ability to multiply” - these words belong to the outstanding American politician Benjamin Franklin. And he knew a lot about money matters; it’s not for nothing that his portrait is depicted on a hundred-dollar bill.

This statement echoes the common Russian expression: “money to money,” which insolvent people especially like to use. financial matters fellow citizens, justifying their reluctance to delve into these issues in order to manage their money wisely. But money really goes to money, and it really can “multiply.” All over the world, at all times, any cash surplus people invested in some business or value in order to preserve and increase their capital. Money must work.

But how can you get them to work for you without having any investment skills or any special knowledge? It would be useful for every person to master at least the basics of managing their own money in order to be able to manage it wisely, because losing what has already been accumulated is as easy as shelling pears (just remember the millions of gullible compatriots who at one time invested money in financial pyramids). If financial literacy leaves much to be desired, then it would be wiser to turn to professionals, entrusting them with investment issues, or formalize cash deposit in a reliable bank. Deposits can not only preserve your savings, but also increase them.

High competition forces banks to offer very attractive conditions for depositors. You can place your funds for a variety of periods - you can open a short-term deposit (for a period of up to one year), or a long-term one. The longer the deposit period, the Better conditions are offered to clients. This is natural, because it is more profitable for the bank to borrow money for a longer period of time. Thus, interest rates on deposits for the same amount, but for different periods, can differ quite significantly. For example, if you invest 10 thousand rubles in a conditional bank for a three-month period, the return will be about 6.6%, and an investment of the same amount for 3 years will bring more than 10%. If the amount is large, then the difference in profit received will be significant. Investors with higher amounts receive a correspondingly higher interest rate.

Banks encourage in every possible way the opening of long-term deposits, developing a variety of bonus programs. One of the “sweet” offers is the capitalization of interest - an option in which monthly accrued interest is added to the principal amount, which thus constantly grows, and the following percentages are already accrued for the increased amount. Banking institutions often offer clients who open a long-term deposit a deposit as collateral. A long-term deposit has, perhaps, one significant drawback - the inability to withdraw money before expiration. deadline without losing any interest. But, if previously, a depositor who withdrew funds ahead of schedule was subject to penalties, today banks behave more loyally in such a situation.

Thus, the conditions offered by banks are clearly more favorable for long-term deposits than for short-term ones. Therefore, if you have the opportunity to save a certain amount of money for several years, a reasonable decision would be to open a deposit for long term. But if in the West long-term investments- this is a very common practice, then for some reason our compatriots are in no hurry to give their savings to banks for a long time, preferring deposits for up to a year. This happens, first of all, because Russians do not have firm confidence in stability economic situation in the country. Uncertainty about the future, the already habitual distrust of banks, sad past experiences and the unpredictability of how quickly savings may be needed are good reasons for the reluctance to use advantageous offers banks on long-term deposits. It is much easier to predict the near future, which is why Russians prefer short-term deposits.

But is it worth dramatizing the situation? Yes, Russian economy today is not in its best shape, and there is a high probability of a further slowdown economic growth, and inflation does not stop growing. But there is no doubt yet about the reliability of the banking system, according to at least, do not worry about your deposits. After all, anyone Russian bank, taking funds from individuals, is part of the deposit insurance system, which means a state guarantee of saving depositors’ money.

CER protects citizens' deposits, both in rubles and in foreign currency, as well as funds in current accounts. An insured event is the termination of a bank’s activities, primarily the revocation of a license. In this case, depositors must receive compensation from the DIA (Deposit Insurance Agency) within 14 days, payment of which is carried out through an agent bank. Return to the investor of funds, including those accrued before insured event interest, guaranteed for an amount of up to 700 thousand rubles in each bank. A special fund has been created for this purpose. If the deposit amount exceeds set limit, it will be possible to get the rest of the money, but with great losses. Therefore more large sums It is better not to put your savings in one bank, but to distribute them across several. It may not be very convenient, but it is safe. This will be observed and most important rule investing – distribution of assets in the investment portfolio.

What is the opinion of experts about which deposits are more preferable - long-term or short-term? What should you consider when choosing a deposit? Marina Nadtochiy, head of the deposit product development department at Alfa-Bank, advises opening short-term deposits in conditions of rising rates, then you won’t have to re-open the account with each increase in rates. When rates go down in the market (as they are now), it is better to make a long-term deposit in order to lock in for a longer period high percent.

Deputy Chairman of the Board of Raiffeisenbank, Head of the Directorate for Services to Individuals and Small Businesses Andrei Stepanenko is confident that the preferences of depositors depend on the level of interest rates. At high rates, customers choose more long term deposits to fix high bid. Deposits with the ability to replenish and withdraw are especially convenient. Deposits opened through Internet banking are becoming very popular, since they often give increased rate, and the client saves his time. A. Stepanenko reports that today most short-term deposits are opened. This is not least due to the slowdown in economic growth, in which people do not want to save money for a long time. He also noted that the average deposit size has increased recently. This applies, first of all, to the segment of deposits up to 400 thousand rubles. According to Stepanenko, these are savings of the middle class, which would be more correctly called “deferred consumption” rather than long-term savings.

As for the most preferred currency when choosing a deposit, here you need to take into account, if the client has loans, in what currency he receives wages and carries out the main expenses that he has investment plans– short-term or long-term. This is a complex question, so it is impossible to give a definite answer. From Marina Nadtochiy’s point of view, if a client has a loan, then funds should be saved in the currency of the loan and basic expenses. And the term of a deposit in foreign currency also depends on the frequency with which the investor plans to use foreign currency savings.

Whatever deposit you ultimately prefer - short-term or long-term, foreign currency or ruble - do not forget that choosing a bank is a serious matter. A reliable credit institution can be considered more or less large bank, it’s good if it is, one way or another, controlled by the state. Such banks in difficult times the state usually provides support to preserve banking system in general, as it was, for example, during the crisis of 2008-2009.

Each person saves money for different purposes. However, what many people don't realize is that keeping your savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, people often do not restrain themselves and spend money. However, deposits in Moscow will help you not only preserve your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike the stock or precious metals market, you do not need special knowledge or constant analysis of the economic situation. You simply find a suitable offer and sign the contract. Moreover, in most organizations there are no restrictions on minimum contributions, and if there are any, they are small.

The contract itself is very important, so you need to familiarize yourself with the text in person before signing it. To do this, ask the bank employees to provide a sample in printed or in electronic format and read all points carefully, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and include conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for early withdrawal, however, with a high probability the bank will refuse to pay the accumulated interest. Wherein this type The deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a “piggy bank”).

The second option - on demand - comes at a low rate. The thing is that it is not profitable for an organization to keep finances for itself, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and potential profits are of little interest to them.

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Long-term deposits in banks essentially refer to strategic savings and are opened in the bank for a year or more. Along with increased interest rates that guarantee passive income, they also carry increased risks.

The concept of long-term deposit stands for a deposit in a bank for a period of more than a year. It is possible to withdraw the deposit only after the expiration of the term. There are known cases when long-term deposits in banks were kept for more than ten years.

What is the difference between a deposit and a deposit? The difference between a deposit and a deposit is that it is transferred for storage. A deposit is money that the client transferred to the bank for the purpose of storing and making a profit. But a deposit is a type of storage of valuables, but not necessarily money. The deposit can be securities, shares, precious metals and so on.

It happens. A person makes a long-term investment for the child. As an example: a contribution in favor of a third party. When the child turns eighteen, he will be able to use the savings. Throughout the life of the deposit, interest, additional contributions, etc. are accrued. Such a deposit is usually replenished.

What types of deposits are there? Deposits are divided into three main categories: demand, time and conditional.

If you live in Ukraine and make a long-term deposit, then it is better to open a deposit in hryvnia. This currency is stable, and the dollar or euro constantly either “falls” or “rises”. Also, on hryvnia deposits, the interest rates are quite decent. Some Ukrainian banks offered up to 27% per annum. Last years interest rates are declining due to soft monetary policy NBU.

Long-term deposits have their downsides...

Trusting money to a bank for a long time is dangerous. Several years ago, in Ukraine, several banks “left”. Bankers still have not paid depositors money or returned savings. According to experts, you should not make deposits in banks that are not members of the Individual Deposit Guarantee Fund. Also, you don’t need to invest more money, the return of which is guaranteed by the state.

For each bank depositor, the Fund guarantees a deductible amount for his deposit and a deductible amount in the amount of the deposit, including hundreds accrued on the day of the decision of the National Bank of Ukraine to classify the bank as non-paying. , the size of the total amount of deposits is no more than 200 thousand hryvnia. .www.fg.gov.ua/depositors/guarantee/

If something happens to you and you urgently need money, you can close the deposit account without waiting for the expiration date. Of course, you will have to make a payment for material costs. Usually this is a write-off interest charges or their reduction.

Also, the bank can present penalty for non-compliance with the contract. Before you sign the agreement to open a deposit, read it carefully. The bank may require payment for closing a deposit that has not yet expired. As you can see, close the deposit ahead of schedule endings, not profitable. Bank employees will never agree to your terms, because they also protect the rights of the bank.

Profitable long-term deposits with replenishment: main tasks and interest rates

The main task of long-term deposits with replenishment is to accumulate and increase. People choose such deposits in order to collect a significant amount for an expensive purchase. For example: to buy a home, a car, to pay for education, to open a business or to go on vacation.

What is a bank deposit? A deposit (bank deposit) is an amount of money placed by a depositor in a bank for a certain or indefinite period. The bank uses the placed funds as working capital that go to make a profit.

Today, interest rates on placements in foreign currencies are lower. Financial experts also strongly recommend placing funds in different currencies, diversifying monetary assets.

What is investment diversification? Diversification of investments - (from Latin di versus different + facere to do; English diversification of investments) distribution of the investor’s capital by investing it in different types valuable papers. In our version: for different currency deposits.

A person who wants to manage funds wisely will be guided by personal desires and needs. If you choose a long-term deposit for a period of 1 year or more, then the person’s needs come down to the following points:

• - The desire to receive passive income, expressed in monthly receipt dividends in the form of interest rate
• - Accumulation of funds for making large and expensive purchases. People save up to buy a dacha, apartment, car, household appliances, etc.
• - Possibility of protection Money from the harmful effects of inflation

These are the main tasks that are solved when placing funds for the long term time deposits not only Russian banks. With the help of the financial instrument in question, profit is recorded and insured against an unplanned decrease in interest rates.

It is recommended to choose those programs for which the bank offers a fixed or growing interest rate. Options that link to unstable indicators, especially for floating rate offers, are best left to experienced and knowledgeable investors.

It is worth noting that the client, having placed funds in a large amount and for a long period of time, often receives privileges from the financial institution and preferential terms for other types banking services. Accordingly, the profitability of such a deposit will be greater. For guarantees, use insurance. A clear example serves to obtain a loan at a minimum interest rate, the possibility of lending secured by a deposit, minimizing commissions and other incentives.

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What interest rates on deposits can you expect when placing funds on deposit for a long time?

Rates for long-term programs will be higher than for short-term ones. So, the average interest on offers of 1.5 years and above will be higher than on deposits for a period of up to 1 year. Today, the average rate on a long-term income deposit for a period of 3 years can reach 14-15% per annum. If we compare similar programs for 3, 6 and 12 months, then here you can count on maximum percentage 10-11% per annum. Check the relevance of interest rates, as they are constantly changing. It depends on many economic factors of one state or another. For example: in Russia deposits may become cheaper, at the same time in Ukraine and Belarus they can become more expensive, but in Kazakhstan and Moldova they remain stable.

What is the interest rate on a deposit? Interest rates on deposits are the percentage paid by banks to customers for the use of money placed in a deposit account. A bank is an organization whose income consists of the difference between the price of attracting and placing financial resources.

If a person chooses a long-term savings deposit with replenishment, then in this case the rate will coincide with deposits opened for a period of up to 1 year. How more possibilities the program gives the client, the lower the return on the deposit will be.

What is the real interest rate? The Real interest rate is the nominal interest rate minus the expected inflation rate. For example, the nominal interest rate is 10% per annum and the projected inflation rate is 8% per annum. Then the real interest rate will be: 10 - 8 = 2%.

When choosing long-term deposits, you need to pay attention to the type of currency. Today, interest rates on placements in foreign currency are lower than in Russian rubles and in hryvnias.

Also, financiers recommend placing funds in different currencies, since when the rate of one falls, the rate of the other automatically increases. Thus, this method is used to protect against inflation and generate a stable income on the deposit. This method is used by investors when working with long-term investments on the Russian, Ukrainian and foreign financial markets. An example for our region is: 30% in US dollars, 20% in euros and 50% in national currency.

Long-term investment: serious risk or high return?

How to choose a long-term investment, which means not only increased profitability, but also increased risk. The client can terminate the bank deposit agreement early. In this case, many financial institutions recalculate the interest rate using the “on demand” tariff. The savings will be returned, but the income will be minimal. Considering inflation, you can lose on this.

Not every person knows how to handle money carefully. If you are planning a large and expensive purchase in the coming years, then learn how to use it correctly financial instruments that are available today. One of these solutions is long-term deposits offered by domestic banks.

Advantages of long-term deposits

Remember that investing money for a long time on the terms of a long-term deposit is always a risk. However, long-term investments have advantages that need to be taken into account. What advantages are we talking about?

• - Unlike most programs, higher interest rates are charged on such deposits. At a minimum, such deposits offer 0.5-1% more than traditional ones
• - According to estimates of specialists working at financial market, up to 90% of banks allow you to replenish a long-term deposit opened for a long period. This is a good factor for people who want to accumulate a significant amount in their account
• - Profit will increase if the client has chosen a deposit that provides for the crediting of interest with capitalization, usually monthly.
• - When a client opens a long-term deposit, he can count on reduced costs for other banking services. It is worth remembering that many banks have loyalty programs for customers. Assumed special conditions when placing funds on deposits: discounts on prices individual species banking services, discounts on opening accounts, preferential car loans, minimizing interest rates on loans, mortgages, microloans, etc.

What is capitalization of interest on a deposit? In other words, the calculation of interest on interest. Thus, interest capitalization increases the effective deposit rate and total amount income received. Most common monthly capitalization interest, when accrued interest is added to the principal amount of deposits once a month.

There are always pitfalls

Choosing a long-term deposit is no exception. One example is the lack of capitalization and the ability to replenish savings. However, this is not the worst thing. The client signing the agreement needs to be sure that the interest rate will remain at the same level throughout the entire period of validity. Often banks resort to tricks and tie deposits to a hidden indicator. Thus, over the course of the deposit's history, the interest rate may decrease.

How to choose a reliable long-term investment so as not to “burn out”?

• 1. Select reliable bank with good reputation
• 2. Study the terms of the programs yourself. Special attention pay attention to footnotes and small print. As a rule, this is where additional fees and restrictions are hidden.
• 3. If your own knowledge is not enough, then attract an experienced specialist who will study the documentation himself and help determine the program with the most favorable conditions capital allocation

Finally, you need to remember that the client can terminate the bank deposit agreement early. In this case, financial institutions recalculate the interest rate at the demand rate. This factor is also worth considering when choosing an investment for several years.

Until recently, deposits for a long time did not particularly attract investors: after all, the situation in the financial arena is not very stable. But nevertheless, the desire to earn money without doing anything is higher. It's stupid to keep money at home when it can multiply. Therefore, guided by this, it is better to take them to the bank and choose a convenient long-term deposit.

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What it is?

A long-term deposit means funds that are deposited in the bank under the condition of long-term storage without the right of premature withdrawal, which is allowed only after the expiration of the deposit.

Such deposits can be kept for decades, and the investor receives good interest. There are open and closed deposits. Open deposits include those that can be replenished. In this case, interest is calculated on the resulting balance.

Accordingly, non-replenishable deposits are classified as closed. But the advantage of the latter is high interest rates.

Conditions

Before making an investment in any financial institution, it is better to familiarize yourself with the conditions that they offer.

Namely, the choice should be influenced by the following:

• Possibility of replenishment. It is necessary to clearly understand that when the deposit is replenished, the rate will be lower, but interest will also accrue on the final balance in the account.
• Withdrawal of funds. In long-term deposits this function is absent - there is no partial withdrawal or early withdrawal of the entire amount. This should be kept in mind when choosing a time period.
• Availability of capitalization. This function allows you to calculate interest both on the initial deposit amount and on the monthly balance. Capitalization occurs either every month or every quarter.

Where to place long-term deposits

Today, not many banks offer long-term deposits, but nevertheless, the most trusted ones can provide such an opportunity.

Long-term deposits include those deposits where the investment period starts from a year or more, and withdrawal of funds is not recommended. Banks offer various programs, among which the depositor will choose the most optimal one.

With replenishment

The table shows deposit options with the possibility of replenishment.

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Per child

There are long-term deposits that are opened in the name of minor citizens. In frequent cases, this is money for education that parents prudently save for their child.

Sberbank offers the optimal deposit for a child “Deposits for a child 0+”.

This deposit has a number of advantages over any others:

• The initial payment is 1,000 rubles;
• There is capitalization of interest;
• Replenishment can be made at any time at a bank branch, and any relative can deposit funds by presenting a Russian passport;
• There is an option "Save money", i.e. partial withdrawal funds can be made only with the consent of the guardianship authorities;
• The child receives full access to the money upon reaching 18 years of age;
• From the age of 14, a child can partially manage the deposit.

Cumulative

This type of deposit speaks for itself - it must accumulate. And for the fact that investors give their hard-earned money to banks, the latter, in turn, offer depositors favorable conditions and interest. One nuance - the more favorable the conditions for the client, the lower the percentage.

What options for savings deposits can be found in financial institutions?

• With a nominal rate. An investment where the payment is fixed throughout the entire period and interest is withdrawn only upon expiration of the investment period. You can withdraw the money prematurely, but in this case the rate declared by the bank is canceled. Sberbank, Rosselkhozbank, Vozrozhdenie Bank, Rosbank have this function.
• Rising interest rate. When choosing this condition, you need to be prepared to make a significant down payment without the right to replenish your account in the future. But what is the essence - the deposit is opened at a small interest rate, but after a certain period it increases. And this happens throughout the entire duration of the contract. In the end, the client receives a good amount. This condition is provided by Sberbank, Alfa Bank, Russian Standard.
• Interest capitalization. The money in the form of interest that drips onto the invested amount every month will be some addition to it. As a result, the deposit itself increases and interest is accrued on the final amount. It turns out that profits behind the scenes increase by about 0.3%. Moreover, such investments are replenished. This condition operates in Gazprombank, Otkritie, Alfa Bank, Sberbank.

For 10 years

When investing your funds for a period of up to 10 years, the investor must remember that he is exposed to a certain risk. Namely, because of an unstable financial situation, you can lose your entire contribution.

Organizations in the banking services market close down every now and then, so when deciding on long-term investments, you need to choose a bank wisely. On this moment Ten-year deposits are offered by only 16 organizations out of 50 checked.

But despite the risk, ten-year deposits also have their advantages:

• The percentage of profit will be higher than on time deposits. This is despite the fact that the interest rate is much lower;
• The ability to replenish savings deposits makes it possible to raise money for certain needs;
• Availability of capitalization conditions;
• Many banks, when investing for 10 years, have a program to reduce other banking expenses, as well as provide a variety of bonuses (reduced loan rates, opening an account, etc.).

When choosing such a deposit, you should carefully study all the conditions provided by the bank and read the agreement. Because many organizations are silent about the fact that the rate may decrease during this period and the desired interest may not be received.

For example, you can consider a 10-year deposit from Rosselkhozbank.

Such deposits include investments opened for a child, i.e. until he reaches the age of majority, or savings deposits, for example, until retirement age.

There are no specific deposits for a twenty-year period in modern banks, because no organization will provide guarantees for such a long period. But there are deposits that can be extended as many times as you like.

If you want to save for a long time and without risks, then it is better, of course, to choose rollover deposits. There is practically no risk of losing your interest and profitability.

With capitalization

How can you make money on your investments? Very simple. Open a deposit with interest capitalization. For many it will seem like something unrealistic, but in fact this is a rather favorable condition that the bank can offer.

Capitalization refers to the addition of accumulated interest to the principal amount of the investment. And then interest will be accrued on the resulting amount.

It turns out that the profit comes not only from the initial payment, but also from the interest that is accrued every month. This condition can be met every month, every quarter or at the end of the year.

Due to high profitability, not all banks offer deposit capitalization, but not all investors want to use it.

Let's look at the reasons why interest is not capitalized:

1. There is a desire of the investor to receive interest on a personal account as additional income;
2. The bank branch itself and the deposit being opened do not provide for this condition;
3. The capitalization rate is much lower than a regular deposit.

Today, investments with interest capitalization are offered by Russian Standard, VTB 24, Sberbank, and OTP Bank.

At a high interest rate

A deposit at a high interest rate implies more stringent conditions for investors than with conventional investing.

This may include:

• High down payment when opening a deposit;
• Lack of capitalization;
• No account replenishment;
• Minimum investment terms without extension;
• Interest is paid at the end of the contract.

Nevertheless, banks also work with such deposits. Among the most popular are deposits of Sberbank, VTB 24, Rosselkhozbank, Gazprombank, Bank of Moscow, Russian Standard.

Kinds

Long-term deposits can be divided into:

• replenished, or open;
• not replenished (closed).

Based on the names, it is clear that in the first case the depositor has the opportunity to make payments to his account.

At the same time, when concluding an agreement, the terms when you can top up your account are stipulated: every month, every day or once a year. In the second case, no payments are made to the deposit, but the rate with the initial payment will be higher.

How to open

Today there are two ways to open a deposit: online services and a personal visit to the bank office.

If you want to open a deposit online, you must first be a client of a bank that provides such a function.

Because opening an account via the Internet takes place in personal account depositor. Online opening of a deposit with favorable conditions is offered by Sberbank and B&N Bank.