Contributions. What is a bank deposit - differences from a deposit and how to open a deposit How to lend money correctly

Is it possible to place capital in a banking organization at a stable interest rate while maintaining the ability to quickly respond to changes in the foreign exchange and financial markets? Deposits for 1 month in Moscow banks help to solve this problem. Such products have many advantages, the main of which is the minimum risk of losing investment and interest income.

When choosing deposits for 1 month in Moscow, you should take into account a large number of nuances. Using a special calculator of our service, you can quickly select the most optimal offer and place your money with maximum benefit.
We also offer a special rating that displays in real time the profitability of currently available deposits relative to each other. A convenient filter will allow you to sort information according to the required parameters.

We have presented:

238 offers of this type of investment from 128 banks;
the highest rating has the Cumulative deposit for a period of 31 days or more;
the interest rate at the current time ranges from 0.5% to 7.75%.

Features and Benefits

Each financial institution sets its own interest on these products, however, all deposits of this type are characterized by such general characteristics as: higher profits than on the balance of a standard account, guarantee of safety of funds, the possibility of replenishment and early withdrawal of money without significant losses, and much more .

For 1 month - this question interests many residents of the capital. The economy in the country, and throughout the world, is unstable, inflation devalues ​​the “lying cash”. In Moscow, deposits for 1 month are the most popular deposits in 2019. If you have an impressive amount of money on hand, you can make it make a profit in a short time. By placing a deposit at high interest, in a month you will receive additional profit, which you can dispose of at your discretion.

How interest is calculated on short-term deposits for a month in Moscow

If you have a large amount of money that will soon be used somewhere (business expansion, buying real estate, etc.), it is better not to waste time, but to make a deposit for 1 month in Moscow. What is the benefit:

• considerable interest is expected, because interest will accrue and grow, taking into account the size of the amount;
• insurance guarantee will allow you not to worry about the safety of funds;
• short-term deposits are automatically rolled over, with the capitalization of the amount and the preservation of the interest rate.

On the day of the expiration of the term of the deposit (after 30 days) you are guaranteed to receive the amount invested by you and plus additional income - for a few percent.

Bank deposits are still the most reliable way to invest your own savings and receive passive income from them. Today, each owner of equity capital has a unique opportunity to choose the most profitable offer in commercial banks, for the reason that the market for offers is quite large. The profitability of the deposit is determined by the interest rate on the deposit, but the highest rate is usually valid for long-term cooperation, although some potential clients need to invest money for a short period, namely for 30 days. Therefore, it is definitely worth reviewing current offers and determining where to open a deposit for a month at a high percentage.

Banking offers today

The peculiarity of bank deposits is that the bank does not limit the terms for placing funds on the account. But at the same time, the client must decide for what period he would like to conclude an agreement with the bank for one month or for 1 year, this is what determines the profitability of the deposit. Next, we will consider where the most profitable deposit for 1 month is, or rather, we will give an overview of current offers for today.

Moscow Industrial Bank

Here you can open a bank deposit for 1 month with an interest rate of 5.5% to 6% per year, depending on the amount of the deposit. The interest rate is determined as follows:

• with an amount of 3,000 rubles or more - 5.5% per year;
• from 100,000 rubles 5.75% per year;
• from 1.5 million rubles 6% per year.

Among other conditions, there is no replenishment, early termination of the contract is not provided without loss of interest. For pensioners, an increase in the interest rate by 0.25 points is provided. Prolongation of the contract is carried out automatically, but not more than 24 times.

Please note that the bank indicates the annual interest rate, that is, to calculate your profit for 1 month, you need to calculate the interest using the following formula: the interest rate divided by 12. For example, if the annual interest rate is 5%, then for a month your profit will be 0.416% of the original deposit amounts.

Bank Avangard

If you are looking for a term deposit for 1 month, then the offer from Avangard Bank "Basic Internet" is ideal for you, according to the terms of which interest is paid at the end of the term without capitalization. By the way, under the terms of this offer, you can open a savings account for a period of 10, 20, 30, 90, 183, 365 days. If you make a deposit for 1 month, then an interest rate of 6.5% per year will apply, the minimum amount is from 10,000 rubles. But you can open a deposit and carry out various operations on the account only remotely, through Internet banking, respectively, the service is available only to existing customers of this financial institution.

Sovcombank

The “Interest on Interest” program operates here, the minimum period for placing funds on the account is 31 days, while the interest rate is 6.9% per year, the minimum amount is 30,000 rubles. If you are already a client of the bank, you can open an account without leaving your home, through the Internet banking system, while your rate will be increased by 0.3%. The contract is extended for the next term automatically.

Rosselkhozbank

Here, among the numerous deposit offers, there is a “Profitable” deposit. According to its terms, a potential investor can place funds for a period of one month with an interest rate of 6.5% per year. The minimum amount is from 3000 rubles, interest is paid at the end of the term of the contract. Prolongation for the next term is carried out automatically.

Please note that when opening a deposit account via the Internet service, the rate increases by 0.2 points.

J&T Bank

Here, the bank offers its customers the Maysky deposit, according to its terms, the rate is 7.5% per year, the minimum validity period is 31 days. Amount from 500,000 rubles. By the way, there is no auto-prolongation of the contract for the next term, interest is paid at the end of the contract.

Bank "Revival

Here you can open a deposit for a period of 32 days. In this case, the conditions will be as follows:

• amount - from 10,000 rubles, rate - 6.4%;
• amount - from 500,000 rubles, rate - 6.6%;
• the amount - from 1.5 million rubles, the rate - 6.7%.

According to the terms of the agreement, interest is paid at the end of the term. The extension of the contract is carried out automatically.

Marine bank

Here you can open a deposit for a month at an interest rate from 6.95% to 7.15% per month, depending on the amount. By the way, the minimum amount is from 3000 rubles per month, interest is paid monthly. The contract for the next term is extended automatically.

Denizbank Moscow

This is a commercial bank, the branch of which is only in the capital of our country. Here, a potential investor can open a term deposit for a period of 10 to 29 days in the amount of 600,000 rubles at an interest rate of 5.25% per year. Moreover, if you open an account for a period of 30 to 90 days, the interest rate will be increased to 8.25 percent per year.

Advantages and disadvantages

As you can see, opening a deposit for a month at a high percentage is quite simple, because there are a lot of offers on the market. At the same time, short-term deposits have several advantages and disadvantages. Among the disadvantages is that the client cannot count on capitalization of interest insofar as most banks pay out profits at the end of one calendar month. If the client has not received the money at the end of the contract and, according to the terms of the bank, a prolongation is provided, then his profit will be added to the body of the deposit, respectively, in the next period, interest will be charged a large amount. In addition, short-term deposits cannot be replenished and partially withdrawn in cash, to be more precise, the money can be received at any time, but the bank will change the conditions and reduce the rate to the rate on the “Demand” account, which ranges from 0.01% to 0, one%.

Advantages can also be found, for example, if you have free funds, then you can deposit them into the account for a short time and get a small benefit from them. In addition, if you do not dispose of your money in a timely manner at the end of the contract, the bank will automatically extend the term for you, only the nuance is that during the prolongation, the rates on the day of the prolongation are valid. That is, if the bank during this period, while the funds were placed on the account, reduced the interest rate, then for the next period your savings will be placed at a lower percentage.

Please note that all conditions in the bank are strictly individual and regulated by the deposit account maintenance agreement.

Thus, each potential depositor has the opportunity to place his funds in a bank account for any period. Opening a deposit for 30 days will be quite simple, for this you need to choose only one of the many offers of the bank and personally contact the branch or use the remote service.

To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce the search time, you can use the help of our site. Here are collected offers for investments with high interest rates on deposits in. But this is not the only parameter for successful cash investments.

To use capital today profitably, it is not enough to find a deposit at high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will make it possible to use the initial contribution more efficiently. An important point - is it possible to withdraw money from the account ahead of schedule? And if so, is the accrued interest retained? Or will they burn?

How convenient is the search for deposits in Moscow on the site?

Here you can find deposits not only in rubles, but also in other currencies popular for investment - euros and dollars.

On our portal, you can compare the conditions of different credit institutions of the city - interest on deposits in Moscow banks, terms, the possibility of replenishment and capitalization of interest. In addition, you can learn about the deposits of other major cities in Russia. To find a suitable option you need:

• set up search filters;
• choose from the proposed options suitable;
• send an application or call the bank for more information.

Term deposits are a profitable and effective investment of free funds of individuals in financial institutions. Making a profit from a deposit is simple: you place your funds in a bank account at interest for a certain period, then the bank regularly shares with you its profit from financial transactions.

Home Credit Bank offers to make a deposit at high interest rates (from 7% per annum). Our organization has extensive experience in the Russian financial market and a positive reputation, time-tested.

Home Credit Bank provides a wide range of programs for generating income from financial investments for individuals. Here you can choose the deposit that best suits your goals and apply online for its opening. Interest on deposits is paid monthly (with or without capitalization) or at the end of the deposit term.

Types of deposits

• "Quick income" - deposits are accepted for a period of 6 months only in Russian rubles. The minimum deposit amount is 1,000 rubles.
• "Capital" - deposits are accepted in rubles for a period of 36 months. The minimum deposit amount is 1,000 rubles.
• "Profitable year" - interest-bearing deposits are accepted in Russian rubles, as well as in dollars or euros for a period of 12 months or more. The minimum deposit amount is 1,000 rubles (100 dollars or 100 euros in case of investments in foreign currency).
• "Pension" - a special deposit, issued in the presence of a pension certificate in rubles for a period of 18 months. The minimum deposit amount is 1,000 rubles.
• "Cabinet" - a special interest-bearing deposit in a bank with a large down payment for a period of 12 months or more. The minimum deposit amount is 1,000,000 rubles.

To make a deposit in our bank, please contact the nearest office of the unit providing this service with an identity document (passport). At your request, the initial payment is credited in cash or non-cash on the day of signing the contract.

Take advantage of the opportunity to receive reliable financial support from Home Credit Bank - fill out and submit an online application today!