Raises deposit rates. Top banks by deposits in Russia. Protect your money from inflation

Every year, depositors face an unpleasant and unexpected situation - banks delay the issuance of funds from deposits to clients in various ways. Find out why this is happening and what to do to get your money back.

For legal entities

Soft loans for small businesses

Preferential loans for small businesses increase the availability of the lending market for small companies and individual entrepreneurs. In this article, we will consider the state program, as well as several advantageous offers from banks.

Good advice

Investments in precious metals: stock instruments

Investing in precious metals is one of the oldest ways to save and increase capital. However, recently there has been a gradual transition from real gold to intangible assets. Read the article for details.

For legal entities

Settlement account in Post Bank

Post Bank is a universal credit organization, included in the TOP-30 of the country's banking sector. In the article we will talk about the features of current accounts for business at Post Bank, the cost of their maintenance and the procedure for opening.

Topical

Working in a bank as a career start

Working in a bank in initial positions is a good option for employment. As a rule, there are no strict requirements for applicants, so anyone who wants to try himself has a chance. Let's figure out what positions you can apply for if you have little or no work experience.

• New Product

  BBR Bank launched deposit "2020"

  5.75% per annum - this is the maximum rate of return of the new deposit program of BBR Bank, called "2020". The most attractive rate is provided in case of depositing funds for 700 days (a deposit can also be made for 200 or 500 days).

  17 Feb 2020

• Analytics

  "Opening": investment products become an alternative to deposits

  According to Otkritie Bank, Russians have recently been increasingly withdrawing free funds from deposit accounts and investing in investment products. The population has about 30 trillion rubles in their hands. In the fall of next year, the financial structure plans to hold an IPO. Perhaps the bank will sell securities to private investors.

  12 Feb 2020

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

  Mortgages in Sovcombank can now be issued at a rate of 8.69% per annum. The amount of a housing loan is not more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to issue a loan on two documents. A loan application is considered within 1 business day. For deposits

  19 Nov 2019

• New Product

  Energobank presented the contribution "Competent investor"

  Energobank's assets include a new deposit service with increased profitability. The rate on the "Competent investor" deposit reaches 8% per annum. The deposit can be issued for six months or for a year. The profitability of the program does not depend on the period of placement of funds. A prerequisite for making a deposit is the conclusion of an accumulative

  29 Oct 2019

• New Product

  Vozrozhdenie launched 4 new retail deposits

  The line of retail deposits of Vozrozhdenie Bank was replenished with four deposit products at once. The Replenished deposit is opened in rubles and US dollars. The maximum deposit rate is 5.5% per annum in rubles and 0.7% per annum in dollars. The placement amount is from 30 thousand rubles / 500 dollars. The deposit account can be replenished. "Active" deposit.

  01 Oct 2019

• Changing rates

  NS Bank changed deposit rates

  NS Bank revised the profitability of branded deposit products. The rate on the Investment deposit is currently 8% per annum. The deposit service is available for clients who have issued investment insurance products. Interest is paid at the end of the term of the deposit agreement. "Saving" deposit. Bid -

  02 Aug 2019

• Analytics

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

  From January to June, the Deposit Insurance Agency paid insurance compensation to 55.8 thousand people. Such data is published on the website of the state corporation. For the first six months, the DIA paid out 32.8 billion rubles to former depositors of bankrupt banks. This money was received by half of the people who are eligible to claim the insurance payment.

  July 23, 2019

• Changing rates

  Gazprombank raises deposit rates

  Gazprombank makes branded deposits more attractive. The marginal rate of return on the Vash Success deposit increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount of placement is 300 thousand rubles. The deposit is non-refundable. extradition

  27 Feb 2019

What kind of deposit should be opened in a bank? What steps do you need to take to open online? You will find the answer to this question in the "Deposits" section of the Banki.ru portal. in rubles and foreign exchange, changes in interest rates, insurance - this is the information necessary for each client - an individual. After all, in order to get the desired income, you need to choose the right deposit.

On our site, the rates are updated daily. You can get and compare up-to-date information about the types of bank deposits: multi-currency, investment, etc.

No less important for many consumers is the procedure for paying income by the bank: some are interested in deposits with monthly interest payments, while others are interested in receiving everything at once at the end of the term. Opening conditions for different banks may vary. Having carefully studied all the current offers for individuals, you can easily decide which bank to open.

You will also learn about what the very concept of a bank deposit is, what clauses are especially important in the contract, how the insurance system works, how to receive compensation in case of revocation of a license from a credit institution, and how to choose the best, most profitable term deposit with a high interest rate. Now the most popular among the population are deposits in, and not deposits in and. At the same time, a certain part of citizens prefers to choose a multi-currency deposit and insure against losses in case of a sharp change in rates. All offers displayed on this page are the best or profitable only in the opinion of Banki.ru experts.

How to choose a profitable investment?

Pay attention to the parameters:

• Interest capitalization – whether the amount of interest accrued for the previous month is included in the deposit amount.
• Replenishment - whether additional amounts can be deposited into the account.
• Interest payment - at the end of the term or every month.

What is the most favorable deposit rate on 03/29/2020?

The most favorable rate is 8.7% per annum.

How many offers are valid today?

The site presents deposits from 322 largest Russian banks.

The retail giant traditionally leads the market -. However, there are many "under" offers from many credit organizations, and you will be able to find the bank that best suits your needs. The data on our website is a guarantee that you will always be up to date with the latest changes, you will be able to compare bank offers and place your money savings with the maximum benefit by choosing exactly the deposit that you really need.

Users of the Banki.ru portal from different regions of Russia can pick up profitable deposits and send them for opening on special conditions. View the rating of offers from Banki.ru experts

A bank deposit has been and remains the easiest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to put more money into the account, they can count on a higher interest rate and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

As for security, everything is simple today: the state deposit insurance system protects depositors from losing money due to bank failure or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose the program with the best deposit conditions and open an account. At the beginning of 2017, a resumption of interest rate cuts is possible, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where is the best place to invest in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank in Moscow among depositors. But not very much - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we consider in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Top up" deposits are quite convenient for the bank's clients. There are no strict restrictions on the amount and term here: the client can independently choose any period (from 1 month) and deposit even the minimum amount (from 1000 rubles) into the account. As for deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher by an average of 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its customers ample opportunities for additional income. The bank offers three deposit products - "Comfortable", "Accumulative" and "Favorable". The maximum income is possible on the Profitable deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles or more, the maximum effective rate will be 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet bank, the interest will be higher.

Alfa Bank

At the moment, it offers its customers not only loan products, but also a number of deposit programs. The smallest percentage for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the largest - for Pobeda + (8.34%) and Premium + (7.60%) deposits with the amount of the deposit from 10,000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And under the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly bank 0.05% of the deposit amount to the charity fund for saving sick children " Life Line.

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the "Seasonal" deposit - up to 10% per annum can be received by placing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days, replenishment and partial withdrawal are not provided. Also, under the program "Maximum income" you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank, an increased rate is applied - + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its depositors several savings programs. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, the minimum amount of the first installment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euro - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, the deposit "Capital" is opened for a period of 36 months, but without interest capitalization. For all deposits, except " Cabinet", the minimum amount of the first deposit and replenishment is 1000 rubles. The Cabinet deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of remote deposit with interest rates up to 8.0% (8.84% with capitalization) per annum in rubles, 1.5% in US dollars (2.01% with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). You can count on such a percentage with a balance of 50 thousand rubles and a storage period of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partial withdrawals up to a minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of them is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. On the “Replenished” term deposit, the holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is the best place to keep money?

As you can see, deposits in Moscow banks are offered on different terms. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa-Bank, VTB24 and the Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make credit and debit transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawal of funds are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.

The best interest on deposits in banks

Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.

"My income" (Promsvyazbank)

Conditions:

• currency - rubles;
• the minimum amount is 100,000 rubles;
• terms and interest:
  • at 91 days - 6.6%;
  • for 181 days - 6.7%;
  • for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, favorable conditions will make the process quick and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

• the minimum amount is 1000 rubles; $100; 100 euro;
• terms and interest for deposits in rubles:
  • for 95 days - 5.75%;
  • for 185 days - 6.25%;
  • for 370 days - 6.75%.
• • for 95 days - 0.75%;
  • for 185 days - 1.10%;
  • for 370 days - 1.45%.
• • for 95 days - 0.01%;
  • for 185 days - 0.20%;
  • for 370 days - 0.55%.

According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

• currency - rubles, dollars euro;
• the minimum amount is 30,000 rubles; $5,000; 5000 euros;
• terms and interest when opening a ruble deposit in the office for up to 1 year:
  • upon termination within 31–90 days - 6.6 / 7.6% (Halva card);
  • upon termination within 91–180 days - 7.0/8.0% (Halva card);
  • upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);
  • upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).
• terms and interest when opening a ruble deposit in the office for up to 3 years:
  • upon termination up to 90 days - 6.8 / 7.8% (Halva card);
  • upon termination up to 180 days - 7.2 / 8.2% (Halva card);
  • upon termination up to 365 days - 6.8 / 7.8% (Halva card);
  • upon termination up to 730 days - 6.0 / 7.0,% (Halva card);
  • upon termination up to 1095 days - 6.0/7.0% (halva card).
• terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
  • upon termination within 31–90 days - 6.6%;
  • upon termination within 91–180 days - 7.0%;
  • upon termination within 181-270 days - 6.6%;
  • upon termination within 271-365 days - 6.6%.
• terms and interest when opening foreign currency deposits:
  • in US dollars for 271–365 days - 1.55%;
  • in US dollars for 1095 days - 3.00%;
  • in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;
• terms and interest:
  • for ruble deposits for 91 or 191 days - 6.42–7.30%;
  • in US dollars for 91 or 181 days - 0.20–0.80%;
  • in euros for 91 or 181 days - 0.10%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.

"Maximum Interest" (Binbank)

Conditions:

• currency - rubles, dollars, euros;
• deposit term - from 3 months to 2 years;
• the minimum amount is 10,000 rubles; $300; 300 euros;
• terms and interest for ruble deposits:
  • when opening at a bank branch - 6.10-7.30%;
  • for individuals (pensioners) - 6.25-7.45%;
  • when opening via the Internet - 6.30-7.50%.
• terms and interest for deposits in US dollars:
  • when opening at a bank branch - 0.55-1.65%;
  • for individuals (pensioners) - 0.55-1.65%;
  • when opening via the Internet - 0.55-1.65%.
• terms and interest for deposits in euros:
  • when opening at a bank branch - 0.01%;
  • for individuals (pensioners) - 0.01%;
  • when opening via the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

• currency - rubles, dollars;
• terms of deposit opening - from 31 to 1460 days;
• the minimum amount is 3000 rubles; $50;
• interest rate for ruble deposits - up to 6.70%;
• interest rate for deposits in US dollars - up to 2.45%.

One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

Profitable (VTB 24)

Conditions:

• currency - rubles;
• minimum amount:
  • when opening an online deposit - 30,000 rubles;
  • when opening a deposit in a bank branch - 100,000 rubles.
• terms and interest when opening a deposit in a bank branch:
  • for a period of 3–5 months - 6.20/6.23%;
  • for a period of 6 months - 6.20/6.28%;
  • for a period of 13–18 months - 5.90/6.15%;
  • for a period of 18–24 months - 5.70/6.02%;
• terms and interest when opening a deposit online:
  • for a period of 3–5 months - 6.60/6.64%;
  • for a period of 6 months - 6.60/6.69%;
  • for a period of 6–13 months - 6.15/6.23%;
  • for a period of 13–18 months - 6.10/6.29%;
  • for a period of 18–24 months - 5.90/6.15%;
  • for a period of 24–36 months - 5.70/6.02%;
  • for a period of 36–61 months - 3.10/3.25%.

This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

Pobeda+ (Alfa-Bank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 10,000 rubles; $500; 500 Euro;
• interest rates:
  • in rubles - 5.5–6.23%;
  • in US dollars - 0.35–2.38%;
  • in euro - 0.01–0.20%.

You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

• currency - rubles, dollars, euros;
• the minimum amount is 15,000 rubles; $500; 500 Euro;
• terms - from 3 months to 1097 days;
• interest rates for ruble deposits:
  • for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;
  • for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
  • for an amount from 1,000,000 rubles - 6.0–6.4%;
• interest rates for deposits in US dollars:
  • in the amount from 500 to 10,000 dollars - 0.30–1.40%;
  • in the amount of $10,000 or more - 0.40–1.50%;
• interest rates for euro deposits:
  • for amounts from 500 to 10,000 euros - 0.01%;
  • in the amount of 10,000 euros - 0.01%.

A long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

• currency - rubles, dollars;
• the minimum amount is 1000 rubles; $100;
• terms - from 3 months to 3 years;
• terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
  • for 3–6 months - 3.70/3.71%;
  • for 6–12 months - 3.80/3.83%;
  • for 1–2 years - 3.60/3.66%;
  • for 2–3 years - 3.45/3.63%;
  • for 3 years - 3.45/3.63%.
• terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
  • for 3-6 months - 3.85 / 3.86%;
  • for 6–12 months - 3.95 / 3.98%;
  • for 1–2 years - 3.75/3.82%;
  • for 2–3 years - 3.70/3.83%;
  • for 3 years - 3.60/3.80%.
• terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75/3.96%.
• terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75/3.96%.
• terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75%.
• terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
  • for 3-6 months - 3.45 / 3.45%;
  • for 6–12 months - 3.55/3.58%;
  • for 1–2 years - 3.55/3.58%;
  • for 2–3 years - 3.30/3.41%;
  • for 3 years - 3.20/3.35%.
• terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
  • for 3–6 months - 3.60/3.61%;
  • for 6–12 months - 3.70/3.73%;
  • for 1–2 years - 3.50/3.56%;
  • for 2–3 years - 3.45/3.57%;
  • for 3 years - 3.35/3.52%.
• terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
  • for 3-6 months - 3.75 / 3.76%;
  • for 6-12 months - 3.85 / 3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
  • for 3-6 months - 0.25%;
  • for 6–12 months - 0.55%;
  • for 1–2 years - 0.85%;
  • for 2-3 years - 0.95%;
  • for 3 years - 1.05%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
  • for 3-6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
  • for 3-6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
  • for 3-6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
  • for 3-6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2-3 years - 1.05%;
  • for 3 years - 1.15%.
• • for 3–6 months - 0.05%;
  • for 6–12 months - 0.20%;
  • for 1–2 years - 0.50%;
  • for 2-3 years - 0.60%;
  • for 3 years - 0.70%.
• terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
  • for 3–6 months - 0.05%;
  • for 6–12 months - 0.25%;
  • for 1–2 years - 0.60%;
  • for 2–3 years - 0.70%;
  • for 3 years - 0.80%.
• terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
  • for 3–6 months - 0.05%;
  • for 6–12 months - 0.30%;
  • for 1–2 years - 0.65%;
  • for 2-3 years - 0.75%;
  • for 3 years - 0.85%.
• terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
  • for 3–6 months - 0.10%;
  • for 6–12 months - 0.40%;
  • for 1–2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.
• terms and interest rates for dollar deposits when opening at a bank branch (from $100):
  • for 3–6 months - 0.10%;
  • for 6–12 months - 0.40%;
  • for 1–2 years - 0.75%;
  • for 2-3 years - 0.85%;
  • for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, Where

• N - the initial amount of the contribution;
• P is the interest rate;
• d - calendar days after which new interest is charged (usually 30 or 31 days);
• D - 365 or 366 days a year, depending on the current year;
• n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.

Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.

DeloBank is an online branch of SKB-Bank. It offers business services. We will tell you about how to open a current account in DeloBank in the article.

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• New Product

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  March 06, 2020

• Changing rates

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  18 Feb 2020

• New Product

  Expobank presented the Bright Winter deposit

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  10 Dec 2019

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

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  19 Nov 2019

• New Product

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  July 11, 2019

• banking discussions

  RF Armed Forces: disputed deposit case

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  03 May 2019

• New Product

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• Actual

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  11 Jan 2019