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

In any case, improving the situation in Russian economy, which we all hope so much, will lead to a reduction in both deposit and lending rates, as can be observed in more stable countries. Owners temporarily free funds do not expect a significant increase in interest 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 have selected 10 the best deposits in Moscow banks from the top hundred in terms of reliability. Each of the deposits is high rate and its own special offer for depositors with different needs.

Vneshprombank, deposit "New Children's"

The deposit with the highest rate to date. With 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 the age of 14. The deposit is popular with 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 on the deposit), a million rubles will bring a profit of 213,200. If a year after opening an account, the child is already 14 years old, then he will be able to receive interest accrued for the past annual period. At the choice 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. For 2 years, having invested 1 million rubles, the investor can count on an income of 210,216 rubles. Second, interest is paid monthly. Thirdly, in addition to replenishment, partial spending of funds up to a minimum balance of 100,000 rubles is also possible. Early termination is carried out on preferential terms, while maintaining a rate of 7% if the money was kept in the account for more than a year.

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

With 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 from 3,000 rubles. Having placed 1 million rubles on the account, the depositor can earn 206,210 rubles. When opening a deposit through the remote banking services"TRUST ONLINE" rate increases by 0.2%. There is a possibility of early closing of the account while maintaining the rate of up to 8.5%, depending on the actual period of storage of funds on deposit.

GI Money Bank, deposit "The Right Choice"

A rather high rate on this deposit (10.25%) is possible when opening an account in the amount of 250,000 rubles. Interest is paid at the end of the term, but is capitalized every month, which significantly increases the yield. Having invested 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 the previous ones, although the declared rate is less.

The terms of the deposit do not provide for additional contributions, but you can withdraw funds in installments up to a 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. For 2 years, the income will be about 205,000 rubles. Interest on this product is paid monthly and is not subject to capitalization. The deposit can be replenished with contributions from 30 thousand rubles, but no later than 30 days before the end of the placement period. Debit transactions will result in the recalculation of interest at the rate of "On Demand" accounts.

Nota-Bank, deposit "Nota-Capital"

This deposit can be opened for any period of 1 month or more. Interestingly, the maximum term of the deposit is set by agreement of the parties. The depositor receives the highest 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 and outgoing operations on the deposit.

Loco-Bank, Loco-Investor deposit

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

IN normal conditions the deposit rate, the exact value of which depends on the amount, after 734 days will be 9.9-10.1% per annum. There are three sum ranges here: from 10,000, from 270,000, from 1,000,000 rubles. Capitalization is not provided, income is paid at the end of the term. If we take into account the increase of 0.25% for a special promotion, then the profit will be 207,230 rubles. There are no benefits for early termination, so the withdrawal of funds ahead of schedule will entail a reduction in the rate to the level of "on demand".

Binbank, deposit "Zurich"

Having placed on this deposit from 700,000 rubles for a period of 2 years or more, you can get 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 terms provide for replenishment of the account, but with time limits (acceptance of additional contributions is terminated 45 days before the expiration of the contract). The deposit is automatically prolonged, with each prolongation the rate increases by 0.15%.

Note that this deposit is opened only within the framework of the premium package of services "The whole world".

Bank Yugra, deposit Gold of Yugra

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

– it is possible to replenish with amounts from 10 thousand rubles, but no later than 30 days before the end of the contract;

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

— 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 additionally charges 0.25%. In this case, the income on a deposit of 1,000,000 rubles, paid at the end of the term, for 2 years will amount to 206,210 rubles.

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 of 1 million rubles, the income will be 200,000 rubles. Replenishments and partial withdrawals are not provided here, but with early closure deposit, you can keep the rate up to 8.5%, provided that the funds were kept in the account for more than a year.

A deposit for 2 years in Moscow is a medium-term product that is very popular among Russians. It is a reliable and simple tool that allows you to increase your savings and get passive income. Often, you can deposit money at interest in a bank from the age of 14. Interest will accrue throughout the entire period of validity of the concluded agreement. At the same time, only those banks that have a special license from the Central Bank of the Russian Federation can attract funds.

Detailed description

The agreement is most often concluded in their own name, but there are options for opening an account for their children. Parents indicate situations when their children become owners of this money:

Not only citizens of Russia, but also citizens of other countries have the right to use such a product. Depending on the terms of the contract, you can replenish the account and receive interest on the card. If you need to set aside a certain amount by a specific date, then you can simply put the money in and forget about it for a while. To do this, choose a product with capitalization. Interest will be used to increase the amount in the account. You can choose a replenishable option, which will allow you to save gradually, saving free money every month. You can deposit money not only in rubles, but also in another currency. In the latter case, the percentages are usually much lower.

Conclusion of an agreement

Having decided to put your savings in the bank for 2 years, be sure to pay attention to the accrual procedure and the conditions for early termination. Some organizations allow early withdrawal of funds with partial or full accruals. The contract between both parties is concluded in writing. Banks issue savings book, certificate or other document that meets the requirements of the law. The contract defines:

Quick search for a profitable solution

You can quickly find the best product on the site. To do this, just specify the amount and duration. In accordance with the entered parameters, the system will display all suitable offers, and you will be able to choose the best one. Today our financial portal, which is one of the largest in Runet, is a platform for establishing a dialogue between banks and site visitors. For the first - it is an opportunity to attract new customers, for the second - to find best deals. Every month, users of our resource leave more than a hundred thousand applications.

Our portal contains data on most domestic banks and MFIs. At the same time, we regularly publish up-to-date and reliable information about financial market. We also have our own analytical and rating centers, information Agency and various interactive services. To discuss topics of a financial nature, a forum was created where you can ask a question of interest or raise an important topic.

A two-year deposit involves keeping funds in a bank account for at least two years, but in the future the contract can be extended for any period convenient for the client. Many jars for ease of use savings account such Additional services, as partial withdrawal of the amount, capitalization and withdrawal of interest accrued on the deposit, as well as full early withdrawal of savings if necessary.

Deposits for two years are especially beneficial if you keep a large sum money, replenish the account during the term of the contract, as well as in cases where the product has a special purpose - as a down payment on a mortgage, installment plan for a car or payment for a child's education.

The convenience of our service

You can choose a profitable deposit for 24 months with a high interest rate using our website. The site has a filter that allows you to arrange search results taking into account several important indicators at once:

• the minimum deposit amount;
• currencies;
• interest rate;
• term of keeping funds in the bank;
• rating.

• profitability of the offer;
• the reliability of the bank offering its services;
• additional deposit options (capitalization of interest, the possibility of replenishment);
• availability.

Actual Options

The list of products is constantly updated, it displays only current and valid offers. The most convenient and profitable offers on this moment are characterized by:

• interest rate from 0.3% to 7.2%;
• minimum deposit amount from 1 thousand rubles.

In order to leave only deposits for two years in the withdrawal list, you must select the appropriate filter item. Not only well-known international banks, but also small regional ones that provide their services on the territory of individual districts.

Make the Right Choice

In addition, the catalog is updated daily, and you will always be aware of the most advantageous offers By this species banking services. Also on our portal, you can get acquainted with the materials on the current market situation and the assessments of the most famous experts in this field. Use our free service with a convenient mailing list format to quickly receive the latest product data. the site is a really necessary and reliable assistant in investing and saving personal savings.

If you have savings, they should be profitable. Keeping assets at home is depreciating, and profitable deposits for 2 years will allow you to increase your capital. Banks, wishing to attract new customers, lure with loud slogans and special offers. In an environment where loan requests significantly exceed deposits and you need to open a deposit.

Advantages of deposits for 2 years

• Profitable Bank deposit for 2-3 years attracts:
• High profitability. The deposit will bring you an average of 8.5% to 9.7% per annum. Some organizations offer more favorable interest to regular investors and new customers under various conditions.
• A small amount. To start receiving passive income, it is enough to have a capital of 50,000 rubles. However, some banks in Moscow work with amounts from 100,000.
• Possibility of extension. When the contract has expired, nothing will prevent you from extending your cooperation for another 2 or 3 years.
• Simplicity of design. It is enough to come to the branch with documents and money, and the manager will issue a deposit account on the same day.
• Replenishment. Account replenishment is a convenient option. An individual increases the capital on which interest is charged.

Nuances to remember

Due to high competition, the terms of cooperation with financial institutions Moscow can be very different. Profit can be paid monthly, quarterly, or at the end of the term. It is important to pay attention to the terms of termination - sometimes, with early withdrawal of funds, the bank reduces the rate by almost 2 times. Some not only make a deposit for 2-3 years with replenishment, but also provide preferential terms termination. One of them is Sberbank, which is one of the ten leading Russian banks.

Other deposit options include:

• the possibility of partial withdrawal;
• capitalization of interest at the choice of the client;
• decor debit card with replenishment.

Beneficial programs for individuals who want to invest in banking sector in Moscow is not uncommon. The main thing is to carefully study the conditions of all market players and scrupulously treat the signing of the contract. With the help of the site portal, you will turn into a real financial expert and will be able to evaluate the offers of competitors within 10 minutes. By opening an account at the most high percent, you will maximize the profitability of your assets.