Deposits for 2 months are classified as term deposits. Interest rates on such offers are lower than when opening an account for a longer period of time. Some banks offer to take advantage of the offer. It is often developed for individuals.

Terms of deposits for two months

Before choosing a suitable deposit for a short period, pay attention to:

• for the presence of capitalization;
• or increase in amount;
• interest period.

For two months they can be opened in rubles or in foreign currency. More often than not, interest accrues at the end of the contract. If the client decides to stop interacting with the institution before the planned date, interest is accrued according to the “on demand” program.

Capitalization is considered profitable when accrued interest is added to the main money. Time deposits in rubles are more profitable than in foreign currency.

They offer deposits for 2 months with the possibility of extending the contract. You can make a bank deposit with the ability to choose the most suitable offer. To do this, use our. Users will not only find the best place to deposit funds, but will also become familiar with the conditions. To do this, you need to come to the bank, taking your passport with you.

For convenience, you can immediately go to the bank’s official page and find a branch conveniently located.

Deposits for a period of 2 years are optimal investment instruments to increase your savings. By placing savings in a bank, according to a well-chosen program, the investor will receive a source passive income, as well as the ability to manage finances in the account in a way convenient for you. Many Russian banks offer 2-year deposits. It is important to understand what criteria to evaluate the program so that capital does not stand idle, but increases. Let's consider the offer of three large banks, which have two-year deposits in their lineup.

Svyaz Bank: deposit for 2 years

Communication The bank provides deposits in three currencies: rubles, euros and dollars. You can open a deposit with an amount of 30 thousand rubles, but not exceeding 100 million rubles. The interest rate is based on a specific amount and term. Thus, a deposit for 2 years with replenishment can bring its owner from 6.20 to 6.75%. You can replenish the deposit up to the limit set by the bank, but in the case of a two-year deposit only during the first 367 days.

Capitalization is provided, but the disadvantages include the inability to claim part of the funds from the deposit. Interest is accrued monthly on the date on which the deposit was opened. Maybe early dissolution agreement, but in this case, the client’s income is minimal, since interest will be calculated at a rate of 0.01%. For this reason, it is very important to estimate in advance the likelihood that savings will be required within the next two years.

Rosselkhozbank deposits for a period of 2 years

Rosselkhozbank offers profitable deposits for 2 years, including under the “Profitable” program. The deposit conditions are as follows:

• minimum deposit – 3 thousand rubles;
• rate for a period of 730 days – 7.05%;
• interest accrual according to the system chosen by the depositor (monthly or at the end of the deposit);
• replenishment – ​​absent;
• partial withdrawal- absent.

The bank also offers to open a free debit card to the deposit, provided that the deposit amount reaches 50 thousand rubles. You can open a deposit remotely without visiting a bank office.

Tinkoff: online deposits

Tinkoff Bank can also open a deposit for 2 years with a maximum interest rate of 7.22%. The advantages of the program are the ability to manage funds in the account, allowing you to partially withdraw money from the deposit, as well as replenish the account to increase its profitability. You can accumulate savings not only in rubles or dollars, but in three currencies at once, including the euro. Interest accrues every month, at the client’s choice, to a card or deposit bank account. The disadvantage of the program is the influence of the term on the size of the bet, which in in this case unprofitable for the depositor, since a deposit opened for 2 years provides a rate of 6%. To calculate the return on your investment you can use online calculator. So, for example, by opening a deposit for a minimum amount of 50 thousand rubles, in 24 months, the investor will accumulate 56 thousand 358 rubles.

A deposit for 2 years can be opened online. To do this, just send an application, open a debit account Tinkoff map, which can be delivered by a courier, after which you can top up your deposit account in a way convenient for you.

Deposits for 2 years in a bank can be cited as an example of a completely appropriate and reliable management of free funds. Everyone knows how quickly such funds disappear from the budget and are wasted on various trifles. And even if you leave them untouched, they will still depreciate under the influence of inflation. Therefore, putting money in a bank at interest is a completely rational decision. But, unfortunately, not the most profitable. A much more interesting alternative is offered to its shareholders by the Capital Savings Company.

17.5% per annum for CPC shareholders

In a bank, deposits for 2 years will increase by a certain percentage, which will protect them from inflation. Savings programs at Sbercom offer the same thing. However, in the latter case, this percentage will be much higher, and we will not be talking about simply preventing the depreciation of funds, but about profit. Banks today offer depositors up to 7% per annum. Depositors of the Capital Savings Company receive (at the time of writing) up to 17.5%– the difference is actually twofold. And the terms of the storage agreement are much more flexible compared to similar services offered by the bank.

Termination before the end of the term and partial withdrawal

A deposit or deposit for 2 years brings the investor the interest stipulated by the terms of the agreement. However, 2 years is enough long term, during which circumstances may arise requiring the withdrawal of the transferred amount. The Piggy Bank program for CPC shareholders takes this possibility into account. Part of the amount transferred for savings can be returned under the terms of the agreement and without loss of interest on the remaining funds. The shareholder, like bank depositors, can terminate any agreement ahead of schedule. But at the same time, the percentage will be significantly lower than that agreed for the full term, so the interests of the remaining shareholders will not suffer in any case.

Addition of the amount under the contract

Deposits for 2-3 years can be accompanied by an improvement in your budget situation. All CPC savings programs allow you to deposit additional funds. Shareholders can contribute amounts without restrictions to those already placed, with the exception of the last 2 months before the expiration of the contract. In this case, the minimum amount by which you can top up your savings is 1000 rubles. It is very convenient for everyone who knows how to count money and does not want even such insignificant amounts to depreciate or be spent on various little things.

Monthly payment of annual interest

Among the savings programs of the Capital Company there is one that allows the depositor to receive interest on the transferred amount every month. We are talking about the "Rentier" program, which includes monthly payment at the interest rate. When concluding a contract for 2 years or longer, annual interest are (at the time of writing) 17,5%, such an amount will not be superfluous in any, especially a modest pension budget.

Reliability level confirmed by the Central Bank

Often, depositors prefer to make deposits for 2-3 years in a bank, even at much more modest interest rates, guided by considerations of the reliability of savings. The reliability of the Capital Savings Company has been confirmed Central Bank, under whose control the activity is carried out. You can verify this both on the company’s website, where all documents are presented, and on the official website of the Central Bank of the Russian Federation. All deposits are accompanied by insurance for the entire amount, and by concluding an agreement, the shareholder receives a personal insurance certificate NPO MOVIS (Interregional Mutual Insurance Society).

Possibility of contract extension

And deposits for 2 years, and the conclusion of an agreement on the transfer of personal savings for the corresponding or more long term, this is a responsible decision. But for Capital Savings Company depositors it can be much simpler. Agreements for all savings programs include the possibility of extension. You can enter into a contract for a year or even several months, and, making sure that financial obligations are carried out, extend it to two, three, five years. You can find out more details and ask any questions you may have right now by filling out a simple form on the company’s official website.

Two-year deposits are considered long-term by the standards of banks and their clients. During this time, not only can things change financial position depositor, but also bets on banking market may fall or rise noticeably. Deposit rate will change along with macroeconomic indicators, and here it is hardly possible to make an accurate forecast for two years in advance. This may be why in many banks the deposit rate for 2 years is higher than for six months or a year, and sometimes higher than the deposit rate for 3 and 5 years.

In any case, the situation is improving Russian economy, which we all hope for, will most likely lead to a reduction in both deposit and lending rates, as can be observed in more stable countries. Owners temporarily free funds You should not expect a significant increase in interest rates on deposits in the near future, but choose a bank for your savings now, while you can still find a yield of about 10% per year.

In the review we selected 10 best deposits in Moscow banks from the top hundred in terms of reliability. Each deposit has a different high rate and its own special offer for investors with different needs.

Bank	Name of contribution	Max. rate (1 million rubles, term 2 years) (%)	Peculiarities
Vneshprombank	New Children's		A deposit that can be opened in favor of a child
Moscow Regional Bank	Record		Deposit with partial withdrawal up to minimum balance
National Bank"Trust"	TRUST-Leader 2014		Deposit with early termination on preferential terms
GI Money Bank	Right choice		Contribution from monthly capitalization when paying interest at the end of the term
Bank " People's Credit»	People's Capital		Deposit with monthly rent
Nota-Bank	Nota-Capital		The best conditions for choosing a deposit term
Loko-Bank	Loko-Investor		Interest increases additionally when opening a deposit via the Internet
			The deposit is opened only as part of the “Whole World” premium service package.
Bank "Ugra"	Gold of Ugra		If there are no debit transactions on the deposit, the bank charges additional interest
Renaissance Credit Bank	Renaissance Profitable		Contribution from favorable conditions early termination

Vneshprombank, deposit "New Children's"

Deposit with the highest rate to date. For an investment amount of 500 thousand rubles and a storage period of 2 years, the rate will be 10.65% per annum. The deposit can be replenished without restrictions.

The main feature of the deposit is that it is opened in favor of a third party, in this case in favor of a child under 14 years of age. The deposit is popular among parents concerned about the future education of their children. To study in good educational institution You can take out a loan, or you can save up. In two years (this is the only term offered for the deposit), a million rubles will bring a profit of 213,200. If a year after opening the account the child is already 14 years old, then he will be able to receive interest accrued over the past annual period. At the option of the depositor, interest can be capitalized once every 12 months.

Moscow Regional Bank, contribution “Record th"

The interest rate will be slightly lower (10.5%) than under the previous offer, but the placement conditions here are much more interesting. Firstly, the minimum amount for opening a deposit is 300,000 rubles, and its size does not affect profitability in any way. Over 2 years, having invested 1 million rubles, the investor can count on an income of 210,216 rubles. Secondly, interest is paid monthly. Thirdly, in addition to replenishment, it is also possible to partially spend funds up to a minimum balance of 100,000 rubles. Early termination is carried out on preferential terms, with the rate remaining at 7% if the money has been kept in the account for more than a year.

National Bank "Trust", deposit "TRUST-Leader 2014"

For an investment amount of up to 1,000,000 rubles, the interest rate is 10%, from 1,000,000 – 10.3%. Interest is paid at the end of the term. The deposit can be replenished with amounts starting from 3,000 rubles. By placing 1 million rubles in an account, a depositor can earn 206,210 rubles. When opening a deposit through the remote control system banking services"TRUST ONLINE" rate increases by 0.2%. It is possible to close an account early while maintaining a rate of up to 8.5%, depending on the actual period of storage of funds on deposit.

GI Money Bank, “Right Choice” deposit

A fairly high rate on this deposit (10.25%) is possible when opening an account for an amount of 250,000 rubles or more. Interest is paid at the end of the term, but is capitalized every month, which significantly increases profitability. By investing 1 million rubles for 2 years, taking into account capitalization, you can get a profit in the amount of 226,710 rubles. As you can see, the amount of interest exceeds all previous ones, although the declared rate is lower.

The terms of the deposit do not provide for additional contributions, but you can withdraw funds in parts up to the minimum balance. Early termination is possible on preferential terms.

Bank "People's Credit", deposit "People's Capital"

The minimum amount to open an account is 100,000 rubles, but only by investing an amount of 1 million rubles or more, you can get 10.25% per annum. In 2 years, the income will be about 205,000 rubles. Interest on this product is paid monthly and is not capitalized. The deposit can be replenished with contributions from 30 thousand rubles, but no later than 30 days before the end of the placement period. Expense transactions will lead to recalculation of interest at the rate of “Demand” accounts.

Nota-Bank, deposit "Nota-Capital"

This deposit can be opened for any period from 1 month or more. Interestingly, the maximum deposit period is established by agreement of the parties. The investor receives the greatest income within this product of 10.25% with a storage period of 1 year and a deposit amount of 1 million rubles. For 2 years, the amount of interest paid only at the end of the term will be 205,210 rubles. There are no incoming or outgoing transactions on the deposit.

Loko-Bank, deposit "Loko-Investor"

Half of the deposits we present can be managed via the Internet. But only National Bank Trust and Loko-Bank add additional interest to the rate if the account is opened by the depositor remotely. The supplement at Loko-Bank will be 0.25%. Thus, the maximum yield for two-year contracts is possible at 10.35%.

IN normal conditions the deposit rate, the exact value of which depends on the amount, will be 9.9-10.1% per annum after 734 days. There are three amount ranges: from 10,000, from 270,000, from 1,000,000 rubles. There is no capitalization; income is paid at the end of the term. If we take into account the 0.25% increase on the special promotion, the profit will be 207,230 rubles. There are no benefits for early termination, so withdrawal of funds ahead of schedule will entail a reduction in the rate to the “on demand” level.

Binbank, deposit "Zurich"

By placing 700,000 rubles on this deposit for a period of 2 years or more, you can receive an income of 10.05%. Interest is paid at the end of the term; in just 2 years the profit will be 201,207 rubles. The conditions provide for replenishing the account, but with time restrictions (acceptance of additional contributions stops 45 days before the end of the contract). The deposit is automatically extended, with each extension the rate increases by 0.15%.

Please note that this deposit is opened only as part of the “Whole World” premium service package.

Bank "Ugra", deposit "Gold of Ugra"

This deposit, with a not very high interest rate of 10.05% (with an investment amount of 1 million rubles and a period of 2 years), has quite attractive conditions:

— replenishment is possible with amounts from 10 thousand rubles, but no later than 30 days before the end of the contract;

— partial withdrawal is provided - 1 time, while the amount of savings must remain in the amount category for which interest was previously accrued;

— early termination of the deposit agreement is possible with partial preservation of the established interest rate(up to 4.75%) depending on the actual period of stay Money on deposit.

If the depositor did not partially withdraw funds during the period, the bank charges an additional 0.25%. In this case, the income on a deposit of 1,000,000 rubles, paid at the end of the term, will amount to 206,210 rubles over 2 years.

Bank "Renaissance Credit", deposit "Renaissance Profitable"

By placing only 5,000 rubles on this deposit for a period of two years, you can count on 10% per annum. Interest is paid at the end of the term, and with a deposit amount of 1 million rubles, income will be 200,000 rubles. Deposits and partial withdrawals are not provided here, but if early closure deposit, you can maintain a rate of up to 8.5%, provided that the funds have been kept in the account for more than a year.

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money that you can use at your discretion. different ways: hide money in a secret place, invest in a business, buy real estate, etc. IN Lately Deposits in Moscow are becoming increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

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

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• unlimited or short-term deposits usually accompanied by more low rates on deposits in Moscow banks.

Thus, if you want to open a deposit under high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• ban on closing bank deposit in Moscow ahead of schedule;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

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

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

Which bank in Moscow is better to open a deposit in?

In 2020, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

Get everything quickly necessary information By current deposits The deposit calculator on this page will help you:

1. Enter your deposit requirements.
2. Get full list current deposits Moscow banks are updated as of today.

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