Review of deposit rates for individuals. High interest deposits - which banks have higher interest rates? Investment tax deductions

Contributions tobanks top 50: maximum rates for today in rubles

Sberbank and VTB have recently greatly reduced rates on deposits for individuals, and many small banks are now offering more favorable interest rates. But not all investors are willing to risk their money. Clients who today choose Moscow banks from the top 50 group hope that these financial institutions are reliable. In principle, this is true. Although, of course, the revocation of the license from the large Ugra bank slightly undermined confidence in other large financial institutions. It became clear that no one was safe from a loud fall.

On the other hand, everyone remembers the situation with the large and famous Binbank, which was on the verge of closure, but was saved by the state, and today merged with Otkritie Bank. This shows that size still matters in this case.

In any case, when choosing a bank, it makes sense to follow a simple rule.

1. If the deposit amount is more than 1.4 million rubles, then it is advisable to choose a bank from among systemically important credit institutions. Most likely, they will not be allowed to fall even in the most difficult times.
2. If the deposit size is less than 1.4 million rubles, then you can choose any bank with the most favorable interest rate. If the license is revoked, the money will still be returned to the owner, since deposits of individuals in banks are insured.

Deposits in Moscow banks from the top 50: maximum interest in 2019

Compare interest rates in Russian rubles on today's most profitable deposits offered by banks from the top 50 in terms of deposit volume. The emphasis in the publication is on the most popular investments today:

- 1 month;
- 3 months;
- 6 months (six months);
- 1 year.

Bank deposits for 1 month: comparison table

Clients who wish to open a deposit for a period of 1 month today can count on a yield of up to 7.0 percent per annum in rubles.

Bid	Bank / Deposit

	Vostochny Bank / Vostochny Deposit
	Loko-Bank / Deposit “Good Interest”

	Asian-Pacific Bank / “Save” deposit
	Gazprombank / Deposit "Accumulative"
	Sovcombank / Deposit "Maximum Income"
	Bank Russia / Deposit “Spring Mood”
	Absolut Bank / Deposit “Grow Deposit On-Line”
	Svyaz-Bank / Savings Deposit

Deposits for 3 months: comparison table

Clients who wish to open a deposit for 3 months today can count on a yield of up to 7.75 percent per annum in rubles.

Bid	Bank / Deposit


	Asian-Pacific Bank / “Heat” deposit
	Moscow Industrial Bank / Savings deposit (online)


	Zapsibkombank / Deposit “I am reliable”
	Expobank / Deposit "Online Leader"
	Gazprombank / Savings deposit
	Bank FC Otkritie / Deposit “My piggy bank”

Deposits for 6 months (six months): comparison table

Deposits from individuals for a period of 6 months today have attractive interest rates. You can find a deposit with a yield of up to 8.08 percent per annum in rubles.

Bid	Bank / Deposit
	Investtorgbank / Deposit "ITB-Rentier"

	Transcapitalbank / TKB-Capital deposit

	Absolut Bank / Deposit “Absolute Maximum +”
	Bank Tavrichesky / Deposit "Tavrichesky Maximum (online)"
	Eastern Bank / Deposit "Spring"
	Tinkoff Bank / Deposit "SmartVlad (increased rate)"
	Moscow Industrial Bank / Savings deposit (online)
	Sovcombank / Deposit “Maximum income with Halva”

Bank deposits for 1 year: comparison table

Deposits for a period of 1 year in banks from the top 50 are also quite profitable today. Interest rates on them reach 8.50% per annum in rubles.

Bid	Bank / Deposit
	OTP Bank / Deposit “Profitable Premium”
	Bank Center-invest / Deposit "Maximum"
	Renaissance Credit Bank / Renaissance Special Deposit
	UBRD / Deposit “Cumulative 390 days”
	Eastern Bank / Deposit "Spring"
	Expobank / Deposit "Yubileiny 25"
	Investtorgbank / Deposit "ITB-Accumulative"
	Transcapitalbank / TKB-Capital deposit
	Bank Tavrichesky / Deposit "Tavrichesky Maximum (online)"
	MTS-Bank / Deposit "MTS XXL Plus"

The information is not a public offer, is presented for informational purposes and does not constitute a direct or indirect incentive for decision-making.

Find out more about conditions and interest rates on official websites or at Bank branches.

02Feb

Hello! This article will talk about deposits for individuals in 2018. Today you will learn about the positive and negative aspects of opening bank deposits, how to choose the right deposit that is most convenient for you personally. What deposit rates are currently in effect? In what currency is it more profitable to make a deposit and how to protect your savings.

We have analyzed and prepared for you a rating of the TOP 20 banks with favorable conditions for deposits! The article turned out to be long, so use the content.

What is a bank deposit

Contribution – this is a certain amount of funds that is transferred to the bank at a certain percentage. For any citizen, this is a great way not only to preserve their savings, but also to increase their amount and receive income.

Who are the investors?

Depositors of any bank can be citizens of the Russian Federation, citizens of other states and stateless persons. They are completely free to choose any bank that suits their conditions, and can also place their funds in several banks at the same time. Persons who are investors manage their funds, receive income from them and carry out the necessary operations specified in the documents.

Classification of deposits

Conventionally, they are divided into 2 groups:

Open for a certain period of time (urgent);
Without a specific storage period for funds (until demand).

In turn, time deposits can be divided into savings and accumulative. In addition, there is a third type - universal deposits. Let's look at each type in more detail.

It is a mistake to think that if a deposit belongs to the category of urgent deposits, it implies only short-term storage of funds. It is called urgent only because it is opened for a specific period of time. The depositor places his funds in the bank for a month, for a year, for 3-5 years, the terms of placement may be different. In turn, the bank pays him increased interest.

Of course, you can withdraw the money before the deposit expires, but then the attractive interest rates will be lost.

Some banks offer to make a fixed-term deposit on the condition that interest will be saved when withdrawing money ahead of schedule. This is undoubtedly an advantageous condition if the client experiences some kind of force majeure.

Although banks usually ask their depositors to inform them in advance that the client wants to close the deposit. This is necessary to order money for a specific date.

Savings deposits - usually opened to store funds for a certain period of time. Savings accounts are opened to collect the required amount for a specific purpose.

A special type of deposit stands apart from all other categories - metal bill. To open it, the client must purchase a certain amount of precious metals, which will be stored in the bank. The income from such a deposit directly depends on how much the selected metal costs on the market.

This option to accumulate funds is effective only when the storage period is long. And some generally prefer to purchase gold bars, being convinced of the dominance of gold over the world.

It is also worth mentioning separately the so-called universal deposits. These are deposits on a long-term basis, with the ability to make expense transactions on them (pay for housing and communal services, Internet, etc.). Opening such a deposit takes literally a few minutes; in this case, there is no need to collect an extended package of documents.

Currency deposits – these are funds that are placed in a bank in the currencies of other countries. Interest is charged on them in the same way.

In addition to dollars and euros, some banks offer deposits in pounds sterling, yuan, and Swiss francs. There is little demand for such offers, so their number is quite limited.

The terms of foreign currency deposits are the same as for ruble deposits: minimum 1 month, maximum 5 years. Also, deposits have some features, for example, the interest rate on them is lower than on ruble deposits. The explanation for this is simple: the ruble is a weaker currency than the euro or dollar, which means the owners of such savings do not lose anything, despite the low yield.

Let's consider another type - multicurrency deposit. Its presence allows you to transfer your funds from one type of currency to another, while maintaining the already accrued interest. Such transfers can be made an unlimited number of times, and this also allows you to earn money.

Interest on this type is usually calculated separately for each currency. You can open a deposit in any ratio of each currency. But there are banks that require that some percentage remain in ruble equivalent.

There are also restrictions on the minimum deposited amount. Usually it is 3000 rubles, 100 euros and 100 dollars. However, it is not always possible to replenish the deposit. And if this is provided for in the contract, then certain deadlines apply. Regarding partial withdrawals, each bank follows its own line.

If you decide to open such a deposit, remember that it is ideal only for those who monitor currency rates and have an understanding of fluctuations in these rates. Otherwise, you won't get high returns.

Specialized deposits – salary, deposits for education, housing, seasonal and so on.

Let's look at each of them in more detail:

Salary deposit – You can open it only if your salary is transferred to the bank where you plan to open a deposit. If the salary account is combined with a deposit, interest will be charged on the account balance;
Investments for education – accounts in which funds are accumulated for education. They are distinguished by a high rate, and if necessary, more favorable lending conditions;
Housing contribution – designed for the process of accumulating funds to improve living conditions. Banks often make favorable mortgage offers to clients who have opened such deposits, but the profitability of such deposits is low;
Seasonal contribution – open at a specific time of year or for a holiday (New Year). Interest rates on this type of deposit can be called quite high.

Intermediate output : Specialized deposits are to some extent more profitable than regular ones. By opening them you can get higher incomes or pleasant bonuses from the bank.

We’ll talk further about what nuances you need to pay attention to before opening a deposit.

How to choose a bank to open a deposit

In order to find the right one for you, you still need to try and spend a lot of free time.

To make this task easier, here are some useful tips:

Look at the bank's ratings. They are most often compiled by Russian rating agencies;
On the official website of the Central Bank, you can freely view bank reports on credit operations. The only negative: to fully understand them, you need to be a specialist (accountant or economist);
You can use the help of the Banki.ru portal, where all the information is presented in a language more accessible to non-professionals;
Another indicator of a bank’s reliability is the increase in its assets compared to previous periods;
Size is also an important indicator;
Study reviews of bank clients who have already used its services;
Pay attention to the size of the bank, whether it has branches or branches;
Review the media for any negative information about your chosen bank;
Please clarify right away how high are the rates on opened deposits? If they are too high, this should alert a potential client;
How does the bank's work schedule change, or has it remained unchanged since opening. In addition, if a bank reduces staff, this also indirectly confirms that the bank has problems;
Do any problems arise during various operations;
Be sure to check whether the bank belongs to the deposit insurance system. This information is easy to find on the Internet.

To summarize, I would like to say that you need to approach the choice of a bank carefully, slowly and intelligently. But also value your money and time, and do not delay making the final decision.

How to open a deposit

First of all, to enter into an agreement with a bank, you will need a passport. In general, now the process of opening a deposit has been simplified to save time not only for clients, but also for bank employees. If the client has already decided on the type of deposit, he needs to personally visit the branch of the selected bank and inform a specialist of his intention, who will promptly prepare an agreement.

Before signing such an important document, be sure to read it carefully.

Pay special attention to:

Deposit rate;
Deposit term;
Is it possible to replenish it, as well as withdraw money ahead of schedule;
Personal data in the contract: check whether it is accurately reflected.

If you are satisfied with all the conditions in the contract, sign the contract and deposit the required amount of funds into the bank’s cash desk. If the deposit is opened in the afternoon, it will be valid from the next day.

Why can they refuse and not open a deposit?

Such failures are not a frequent occurrence, but they are still possible.

The reasons are:

If the client cannot present a passport or other identification document;
If a foreign citizen who wants to open a deposit cannot confirm his right to be in Russia;
If the passport contains marks that are not required;
If the person opening the deposit is under 14 years old.

The bank has the right not to voice the reason why a client is refused to open a deposit!

Top 20 banks for deposits in rubles in 2018

In this part of our review, we’ll talk about what conditions for opening deposits are offered by the most famous banks in our country.

Important: All information about opening deposits, conditions and interest rates presented to your attention was obtained from the official portals presented in the review of banks. Conditions may vary if banks make changes!

We propose to consider the banks presented below according to the following characteristics:

Maximum percentage;
Minimum down payment amount;
Frequency of interest calculation;
Method of opening a deposit;
Possibility to replenish the deposit;
Possibility to partially withdraw funds;
Participation in the deposit insurance system;
Availability of bonuses from the bank for the depositor.

Deposits in Sberbank for individuals

Maximum percentage – 8.80% (depending on the deposit term);
depends on the type of deposit chosen (from 1 ruble to 30,000 rubles);
from monthly until accrued at the end of the deposit term;
Method of opening a deposit – in person, through the Sberbank online system, through self-service devices;
available;
available, but not for all types of deposits;
yes, preferential terms for mortgage and consumer lending.

Intermediate output: The undeniable advantages include the stability and stability of the bank in the market, benefits for depositors when applying for a loan.

Official website of the bank.

Deposits in Tinkoff Bank

Maximum percentage – 9.83% per annum;
Minimum down payment amount – 50,000 rubles;
Frequency of interest calculation – can be credited every month to the deposit itself or to the client’s card (at his choice);
Method of opening a deposit – online, through a mobile application, computer, tablet;
Possibility of replenishing the deposit – available, and online;
Possibility of partial withdrawal of funds – available, at any time, in any way convenient for the client (you can receive your money by transfer through Russian Post);
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – Yes, all depositors receive a bank debit card as a gift.

Intermediate output: undeniable advantages include the ability to manage your funds online, closing the deposit at any time without losing accrued interest.

Official website of the bank.

Investments in Renaissance Credit

Maximum percentage – 9.75% (also depends on the type of deposit);
Minimum down payment amount – 1000 rubles;
Frequency of interest calculation – in direct dependence on the type of deposit. Provides for monthly accrual and accrual at the end of the term;
Method of opening a deposit –
Possibility of replenishing the deposit – depends on the type of deposit. For example, the Renaissance Profitable deposit cannot be replenished, but others can be replenished in several ways. You can deposit money at the bank’s cash desk, make a transfer through Internet banking, or through a self-service terminal;
Possibility of partial withdrawal of funds – available, but not for all types of deposits. It is possible by visiting the bank in person (in cash) or via the Internet (by transfer to another account or bank card). These conditions are valid only for ruble deposits. In addition, if you need to withdraw an amount up to 100,000 rubles, you need to order the amount one day before the withdrawal date, if the withdrawal amount is more than half a million rubles - 3 days before the withdrawal date, if the deposit is in foreign currency - 4 days before the withdrawal date.
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – not provided.

Intermediate output: it is possible to manage your funds without visiting the bank in person; to open a deposit you only need a passport (if the client is a Russian citizen), but there are also points that will not suit everyone: not all deposits can be replenished; cash for withdrawal must be ordered in advance.

Official website of the bank.

Deposits in VTB 24 for individuals. persons

Maximum percentage – 7.85% per annum, but it also depends on the amount that was deposited when opening the deposit;
Minimum down payment amount – 100,000 rubles;
Frequency of interest calculation – monthly (to the client’s account for use or for capitalization);
Method of opening a deposit – in bank branches, online via the Internet;
Possibility of replenishing the deposit – depends on the choice of deposit type (the “Accumulative” and “Comfortable” deposits can be replenished);
Possibility of partial withdrawal of funds – available, on bank terms;
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – yes, when connecting via the Internet, there are also premium service packages for clients.

Intermediate output: Among the negative aspects: a fairly significant amount for a down payment, the range of deposits is small: there are only three of them (but this can hardly be called a significant disadvantage). At the same time, there are customer loyalty programs and convenient online banking.

Official website of the bank.

Deposits in Rosselkhozbank

This bank has a fairly wide selection of deposits, or rather, 11 of them.

Having analyzed the selected characteristics, you can see the following picture:

Maximum percentage–10.9% (if the deposit term is more than 1 year);
Minimum down payment amount – depends on the selected type of deposit, from 10 rubles (demand deposit);
Frequency of interest calculation – quarterly, monthly, at the end of the deposit term;
Method of opening a deposit – in bank branches, remotely;
Possibility of replenishing the deposit – available, except for the “Golden” and “Amur Tiger” deposits;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
Availability of bonuses from the bank for the depositor – Yes, you can get a free Amur Tiger card, the yield of which is 7% per annum.

Intermediate output: affordable down payment amount, deposits are insured by the state, the ability to manage your finances without leaving home.

Official website of the bank.

Deposits in Binbank

Maximum percentage – 8.4% (for the “Monthly Income” deposit);
Minimum down payment amount – 10,000 rubles (except for the savings account “Piggy Bank”);
Frequency of interest calculation – for the “Magnificent Seven” deposit – daily, for the “Monthly Income” deposit – monthly, for the “Multicurrency” deposit – at the end of the term;
Method of opening a deposit – Internet banking, any bank branch;
Possibility of replenishing the deposit – yes, except for the product “Investment in the Future”;
Possibility of partial withdrawal of funds – yes, for the “Magnificent Seven” deposit and the “Piggy Bank” savings account;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – the opportunity to use the services of a personal consultant for free.

Intermediate output: when placing, it is possible to receive accrued interest daily, and it is also clear that the amount of the down payment is relatively small.

Official website of the bank.

Deposits in Gazprombank

Maximum percentage – 8.0% (for the Gazprombank Perspective deposit);
Minimum down payment amount – 15,000 rubles for the main line of deposits and from 100 rubles to 50,000 for special deposits;
Frequency of interest calculation – monthly, or at the end of the term for basic deposits, every quarter and at the end of the term for special deposits;
Method of opening a deposit – in person at a bank branch or branch, through self-service terminals;
Possibility of replenishing the deposit – yes, regarding basic and special deposits;
Possibility of partial withdrawal of funds – only for the Gazprombank Dynamic and Gazprombank Pension deposits;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – not provided, premium service is available when opening platinum international cards.

Intermediate output: There are deposit options with a minimum down payment, as well as the opportunity to receive advice from a personal manager.

Official website of the bank.

Deposits in Alfa Bank

The bank is large and has branches in many cities. The bank's clients are about 5 million individuals only, not to mention legal entities. It is worth mentioning that the bank takes a very principled position in relation to non-payers, this explains the negative reviews about its work.

Maximum percentage– 9.8%, for the “Life Line” deposit;
Minimum down payment amount – from 10,000 rubles to 3 million rubles;
Frequency of interest calculation – for most deposits - at the end of the term;
Method of opening a deposit – personal office visit, Internet banking;
Possibility of replenishing the deposit – depends on the selected type of deposit;
Possibility of partial withdrawal of funds – depends on the type of deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – promotion “The longer the money is in the account, the higher the interest on the deposit” (for those who chose the “Valuable Time” deposit).

Intermediate output: It is possible to get a high income on certain types of deposits, for example, the “Victory” deposit is 10.5%, but the contribution amount is 3 million rubles.

Official website of the bank.

Deposits in Otkritie Bank

Maximum percentage – up to 9.05% (depending on the amount and duration of the investment);
Minimum down payment amount – 50,000 rubles;
Frequency of interest calculation – monthly (to the client’s account, or as capitalization);
Method of opening a deposit – in a bank branch or online;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – provided (depending on the type of deposit);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – When opening via the Internet, the interest on the deposit is higher.

Intermediate output: You can get a higher percentage by opening a deposit via the Internet; you can replenish your deposit and receive interest on your account.

Official website of the bank.

Deposits in Promsvyazbank

Maximum percentage – up to 9.5% per annum (for the “Welcome!” deposit);
Minimum down payment amount – 10,000 rubles;
Frequency of interest calculation – monthly;
Method of opening a deposit –
Possibility of replenishing the deposit – available, except for the “Solid Interest” deposit;
Possibility of partial withdrawal of funds – yes, without losing interest (on the “Maximum Opportunities” deposit);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – for premium clients there is a surcharge on the basic interest - 0.25%.

Intermediate output: It is possible to partially withdraw funds without losing accrued interest.

Official website of the bank.

Deposits in Sovcombank

Maximum percentage – up to 9% per annum;
Minimum down payment amount – 30,000 rubles (and it is permissible to deposit them not immediately, but within 10 days);
Frequency of interest calculation – monthly or at the end of the validity period;
Method of opening a deposit – via the Internet, in person at the bank office;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – provided, but depends on the selected type of deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – increased percentage when opening a deposit via the Internet.

Intermediate output: It is possible to replenish all types of deposits on a monthly basis; a serious plus is the ability to make a down payment several times.

Official website of the bank.

Deposits in the Bank of Moscow

Maximum percentage – up to 10% per annum + 0.3% if the deposit is opened in the terminal or via the Internet;
Minimum down payment amount – any (for the Savings Account deposit), from 1 to 100,000 rubles for other deposits;
Frequency of interest calculation – every month/capitalization (customer’s choice);
Method of opening a deposit – via Internet banking, at a bank office in person, or through an ATM;
Possibility of replenishing the deposit – available (on the “Maximum growth” and “Maximum comfort” tabs);
Possibility of partial withdrawal of funds – available (except for the “Maximum Income” and “Seasonal” deposits);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – increased percentage when opening via the Internet, as well as for salary clients and pensioners.

Intermediate output: This bank offers increased deposit rates for salary card holders and for people of retirement age. It is also possible to open a deposit in favor of another person. To do this, it is necessary, in addition to the client’s passport, to provide the necessary information about the person in whose name the deposit will be opened.

Official website of the bank.

Maximum percentage – 8%;
Minimum down payment amount – from 1000 rubles to 10,000 rubles;
Frequency of interest calculation – from every 30 days to every 100 days;
Method of opening a deposit – in bank offices and online;
Possibility of replenishing the deposit – no restrictions;
Possibility of partial withdrawal of funds – no, except for the “Mobile” deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – for deposits that are opened on the recommendation of an existing depositor, he receives 500 rubles.

Intermediate output: The bank has several lines of deposits for individuals. Also, the amount of the down payment is low, from 1000 rubles.

Official website of the bank.

Deposits in Home Credit Bank

Maximum percentage – 9.06% (with capitalization);
Minimum down payment amount – 1000 rubles for all types of deposits;
Frequency of interest calculation – for a number of deposits monthly or at the end of the term;
Method of opening a deposit – in person at a bank branch, via online banking;
Possibility of replenishing the deposit – yes, across the entire line of deposits;
Possibility of partial withdrawal of funds – not provided;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – only for owners of the “33%” deposit

Intermediate output: There is no possibility of partial withdrawal of funds, but at the same time the entire line of deposits is replenished.

Official website of the bank.

Deposits in Mosoblbank

Maximum percentage – 9.5% (for the “Pension” deposit);
Minimum down payment amount – from 10,000 to 300,000 rubles;
Frequency of interest calculation – every month;
Method of opening a deposit – at bank offices in person, the opportunity to apply for opening via the Internet;
Possibility of replenishing the deposit – yes, for all types of deposits;
Possibility of partial withdrawal of funds – yes, except for the “Personal” deposit;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – When opening a “Personal” deposit, you have the opportunity not to lose high interest rates and at the same time receive monthly payments to your account.

Intermediate output: There are 4 types of deposits to choose from, it is possible to receive payments monthly.

Official website of the bank.

Deposits in Bars Bank

Maximum percentage – 8,5%;
Minimum down payment amount – from 5000 to 1 million rubles;
Frequency of interest calculation – daily (for demand deposits);
Method of opening a deposit – in person or through an online system;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – at any time (for demand deposits);
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – the opportunity to open a deposit in the name of a minor or an incapacitated person.

Intermediate output: Among the obvious advantages are the possibility of replenishing and partially withdrawing funds, as well as opening a deposit in the name of a third party.

Official website of the bank.

Deposits in Post Bank

Maximum percentage – up to 9% per annum;
Minimum down payment amount – from 5 to 500,000 rubles;
Frequency of interest calculation – monthly, quarterly;
Method of opening a deposit – through mobile banking, online banking, in person;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor –+0.25% for opening a deposit for persons of retirement age, or for opening via the Internet, a savings account is also opened free of charge and a Visa card is issued free of charge.

Intermediate output: The bank provides bonuses for depositors, and deposits can also be closed ahead of schedule without losing interest.

Official website of the bank.

Deposits in Russian Standard Bank

Maximum percentage – 9%;
Minimum down payment amount – 10,000 rubles;
Frequency of interest calculation – monthly, quarterly, or upon expiration of the deposit term;
Method of opening a deposit – in person or via online banking;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: The bank has a choice of several types of deposits, and it is possible to replenish the deposit.

Official website of the bank.

Deposits in Ugra Bank

Maximum percentage – 10.5% (for the “Christmas Gift” deposit);
Minimum down payment amount – 100 rubles (on demand deposit);
Frequency of interest calculation – monthly;
Method of opening a deposit – any bank branch also has an online service;
Possibility of replenishing the deposit – available;
Possibility of partial withdrawal of funds – available;
Participation in the state system insurance – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: available amount for opening a deposit, there is an online service, you can replenish and withdraw funds.

Official website of the bank.

Deposits in Uralsib Bank

Maximum percentage – to 10%;
Minimum down payment amount – 100 rubles (depending on the type of deposit);
Frequency of interest calculation – monthly;
Method of opening a deposit – via the Internet, in person at the bank office;
Possibility of replenishing the deposit –
Possibility of partial withdrawal of funds – available (depending on the type of deposit);
Participation in the state insurance system – Yes;
Availability of bonuses from the bank for the depositor – information is not reflected.

Intermediate output: The bank has a fairly wide selection of deposits; it is possible to open a deposit via the Internet.

Official website of the bank.

Comparative analysis of banks

Important: This table is compiled based on data obtained from official resources presented in the banks’ material! Data may change depending on changes in the policy of the banking organization.

Banks are arranged in descending order of maximum interest rate

Bank	Max. % on deposits	Conditions for obtaining max. %	Minimum down payment	Bonuses
UBRD	11,0%	when opening the “Holiday” deposit	1000-10000 rub.	"Bring a friend" campaign
Rosselkhozbank	10,9%	when opening a deposit for a period of more than 1 year	from 10 rub.	free card attached to the deposit
Bank "Ugra	10,5%	only for the “Christmas Gift” deposit	100 rub. (for deposit “On demand”)	information not reflected
Bank of Moscow	10,3%	if the deposit is opened via the Internet	1 ruble – 100,000 rubles.	for pensioners and salary clients
Uralsib	to 10%	depends on the type of deposit	100 rub. (depending on the type of deposit)	information not reflected
Bank Tinkoff	9,83%	depends on the type of deposit	50,000 rub.	debit card as a gift
Alfa Bank	9,8%	only for the “Life Line” deposit	10,000–3 million rubles.	only for owners of the “Valuable Time” deposit
Renaissance	9,75%	when opening the Renaissance Profitable deposit	depends on the type of deposit	information not reflected
Mosoblbank-Promsvyazbank	9.5% each	depends on the type of deposit	10000/10000 rub.	For those who have opened a “Personal” deposit/for premium clients +0.25 to the main %
Bank opening"	9,05%	depends on the amount and duration of the investment	50,000 rub.	when opened via the Internet
Post Bank/Russian Standard/Sovcombank	9.0% each	Post Bank only accepts deposits in rubles, not foreign currency.	5000/10000/30000 rub.	for pensioners/no/for opening via the Internet
Sberbank	8,8%	depends on the type of deposit	1–30,000 rub.	mortgage and consumer benefits lending
Bars Bank	8,5%	depends on the type of deposit	5000 rub.	You can open a deposit in the name of a third party
Binbank	8,4%	Only for the “Monthly Income” deposit	10,000 rub.	personal manager services
Gazprombank	8,0%	Only for the Gazprom Perspective deposit	15,000 – on the main deposit line and from 100 rubles. - on special	only for premium clients
VTB	7,85%	depends on the amount deposited	100,000 rub.	opportunity to receive premium service packages

So, dear readers! What conclusions arise based on all the analyzed information?

Firstly, opening deposits is not only possible, but also necessary. As we see, many banks are ready to provide various benefits and bonuses for opening a deposit with them. In particular, Sberbank is quite loyal to its depositors in terms of approving mortgage and consumer loans.

Secondly, some large and stable banking organizations (VTB, Sberbank) do not provide the most favorable conditions for deposits, in particular, not very high interest rates. In addition, VTB offers to make a fairly large down payment in order to open a deposit. In the current economic situation, not everyone can do this.

Of course, Tinkoff Bank is worth attention, which does not offer the highest interest on deposits, but provides the opportunity to use a debit card, as well as a credit card, which gradually increases the limit (from personal experience).

You can talk a lot, but in any case, everyone will choose the bank that best suits the conditions for him and it is far from a fact that the high deposit rate will be the priority. Everything else is just the subjective opinion of your humble servant.

Now let’s talk about how you can open deposits for socially vulnerable categories of citizens. In particular, we will talk about deposits for pensioners.

Deposits for pensioners

The banking system does not stand still, but is developing quite successfully in our country. Now older people can also afford it, largely thanks to the mass of loyalty programs developed by the largest banks.

All serious and stable banks in Russia (Sberbank, VTB, Bank of Moscow, Sovcombank) accept deposits from pensioners at good interest rates. At the same time, it is possible to use large packages of additional services absolutely free of charge.

Let's take a closer look at what conditions apply to pensioners today.

Sberbank

This bank has developed a range of services for elderly people. The most popular are the “Replenish” and “Save” deposits. Interest is charged at the rate of 7.1/7.6 respectively. The minimum contribution is only 100 rubles. For the “Replenish” deposit, you are allowed to make payments every month, as well as use interest at your discretion.

VTB

In this bank, the conditions for pensioners are very comfortable. Although there is a minus: quite high minimum contributions for all deposit lines (from 15 to 30 thousand rubles). The interest rate for pensioners is from 4.35% to 8.5%.

Bank of Moscow

I have developed 3 interesting proposals for the category of citizens in question with a minimum contribution from 1 to 10 thousand rubles. For each deposit, replenishment of the amount is allowed. Interest rate from 2.9% to 7.9%.

Sovcombank

Preferential categories of citizens (a mandatory condition is age over 60 for men and 55 for women) can open a deposit with a minimum amount of 500 rubles. It is valid for 6 months, and the interest rate is 11% per annum. You can withdraw money once a month or at the end of the deposit period. Replenishment is allowed without restrictions.

Deposits for people of retirement age have recently become very popular among the older generation. They have higher rates and conditions are very flexible.

Deposit: what is it?

Deposit deposit - this is the amount of money or securities that are stored in a bank, while the bank uses them in its financial transactions, and the depositor receives interest for this.

There are 3 types of such deposits:

Classical;
With the ability to replenish;
With the opportunity not only to replenish, but also to withdraw some money.

Classic deposit – This is an account that cannot be topped up and money cannot be withdrawn.

Deposit with the ability to replenish – You can deposit funds into this account, but you cannot withdraw them.

With the third type of deposit, everything is simpler: by opening it, the depositor has greater freedom in handling his funds, but he will also receive less interest.

Also, any operation with money and securities contains “pitfalls” that are worth mentioning:

If the amount deposited into the account is small, then you will not receive much profit;
Opening a deposit for a short period is unprofitable, the profit is insignificant;
A tax is charged on deposit interest (agreed upon when concluding the contract).

The advantages are:

Ability to manage your account;
The deposit can be called at any time;
When using a deposit with capitalization, profits increase.

How is interest on a bank deposit calculated?

Interest on deposit is a type of remuneration that a bank pays to a depositor for using its funds.

For a simplified calculation, use the following formula:

S = (P*I*t/K)/100

S – amount of accrued %;
P – deposited amount;
I – interest on deposit for the year;
t – accrual period (days);
K – number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles for 1 year at 10.5% per annum. His income will be: 300,000*10.5*365/365/100=31,500 rubles.

If the deposit is capitalized, interest is calculated as follows:

S = (P*I*j/K)/100

S – amount of accrued%;
P – the deposited amount, as well as all subsequent amounts increased as a result of capitalization;
I – interest on deposit for the year;
j – number of days in the period for which capitalization will be carried out.
K – number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles with capitalization for 3 months at 10.5% per annum. His income will be: (300,000*10.5*30/365)/100=2589 rubles (for one month).

As we can see, there is nothing complicated in the calculation, despite the “threatening” appearance of the mathematical formulas.

What is the risk of a person opening a deposit in a bank?

All risks are divided into several categories. In this part, we’ll look at how to avoid them, or keep losses to a minimum.

So, there are the following types of risks:

Bankruptcy of the banking organization itself;
Reinvestment;
Collection of tax payments;
Increase in rates for deposits opened for a long time.

The first group of risks is minimized simply: money is placed in different banks, in an amount of up to 1 million 400 thousand rubles (deposits up to this amount are insured by the state).

When reinvesting, the situation may turn out like this: the client opened a deposit for 6 months at 9% per annum, and after 6 months the rates fell, he will receive 7%.

Tax payments will be collected if the rate on your deposit becomes higher than the 5% refinancing rate. Then a tax of 35% will be charged on the excess.

The risk when deposit rates increase is as follows: the client opened a deposit for a long time at 11% per annum, and a year later the rates increased to 14%, which means the client will lose 3%.

General advice: To minimize risks, carefully choose a banking organization, as mentioned earlier!

In what currency should deposits be opened for individuals?

In light of the events that are taking place not only in the domestic but also in the global economy, experts advise keeping your savings in several types of currencies: rubles, euros and dollars. In addition, some banks offer to open multi-currency deposits . On the other hand, there are those who accept savings only in ruble equivalent (Post Bank).

In general, at the moment we can say that all world currencies are unstable. Therefore, the most correct decision would be: for 60% of the amount, open a ruble deposit, and the rest will be divided equally between foreign currency deposits. We carry out calculations in rubles, so the amount of such a deposit will exceed the rest.

This distribution principle will allow you to save your earned funds as much as possible.

In conclusion of today’s conversation, I would like to note that deposits are a profitable financial instrument. They are safer and more transparent than loans, but before opening a deposit, study all the conditions.

Don’t be afraid to seem like a picky client: ask all the questions you are interested in to the bank employee, read the agreement carefully.

Video about bank deposits

And in conclusion, we suggest watching a useful video:

It is formed on the basis of the total volume of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking you will be able to choose the right one. Based on the information provided, you will be able to select the best offers in terms of profitability and interest rates.

Features of the formation of the rating of Russian banks by deposits

Russia by deposits is formed according to the Central Bank of the Russian Federation. The analysis also takes place based on other indicators:

Positions in the ranking compiled by independent agencies.
Opinions of clients who have already made transactions with this bank.
Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the institution’s own capital. The more funds, the less likely it is to be declared insolvent.

Rating of banks in Russia by retail deposits in 2019

In 2019, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more confidence in this financial organization. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

interest rates,
creditworthiness.

The top best banks may change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks today is based on reporting provided by financial organizations. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider the ranking by interest rates, the list may be different. When choosing, pay attention to the rating based on the total cost of deposits. It includes additional payments, bonuses and other gifts for investors.

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply huge. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a return slightly below average, because they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various investment options.

Which bank should you prefer?

Naturally, you shouldn’t go to the first bank you come across that offers a sufficient interest rate. It should be analyzed according to at least several parameters:

founders and partners - it may well turn out that “at the helm” there are people who are unlikely to be trusted;
financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, paying special attention to the ratio of assets and liabilities, profit received during the reporting period and the size of the authorized capital (the more, the better);
position in international and national ratings, including “national” ones (on the websites banki.ru or sravni.ru);
availability of insurance - if deposits are insured by the DIA, then if the bank’s license is revoked, nothing will threaten the clients’ funds.

You shouldn’t just look for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you create the right investment strategy:

deposit term;
is early withdrawal possible and under what conditions;
interest payment procedure;
presence or absence of capitalization;
possibility of replenishment;
does the interest increase as the amount of savings increases, etc.

The highest rates on deposits in Moscow banks today: first 20

Among the many banks in the capital, the 100 largest were selected, and the 20 most profitable were selected from the deposits they offered. Other selection criteria:

currency - ruble;
minimum amount – 100,000;
period – at least 1 year.

These parameters helped us select the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

Bank's name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
Tauride	Festive	12.3	50000	Monthly, capitalization	Yes	No
Novikombank	Favorite	12.25	10000	At the end of the term	No	No
International Bank of St. Petersburg	Capital	12.2	50000	At the end of the term	No	No
Promsvyazbank	Premium	12	3	At the end of the term	Yes	Yes
Vanguard	Passbook	12	100000	At the end of the term	No	No
BFG-Credit	Loyal	11.75	100000	At the end of the term	Yes	No
BFA Bank	Contribution #1	11.25	30000	Monthly, capitalization / withdrawal to account	No	No
Peresvet	Rational	11.2	30000	At the end of the term	Yes	Yes
Transcapitalbank	Time to grow. Spring	11.16	20000	Quarterly	No	No
Globex	Accurate calculation online	11.15	100000	At the end of the term	No	No
Trust	Our people	11.1	30000	At the end of the term	No	No
Investtorgbank	Fabulous percentage	11.07	50000	Quarterly	No	No
Credit Bank of Moscow	All inclusive Online	11	1000	At the end of the term	No	No
Credit Europe Bank	Urgent	11	3000	At the end of the term	No	No
MetallinvetBank	Maximum income	11	10000	At the end of the term	No	No
Uniastrum Bank	Big percentage	11	20 000	At the end of the term	No	Yes, within the minimum
Finprombank	My conditions	11	30000	Monthly, capitalization	Yes	No
Military Industrial Bank	Spring story	11 (growing)	50000	At the end of the term	Yes	No
Center-Invest	Grow big	11	50000	Annual capitalization	Yes	No
Education	Base	11	100000	At the end of the term	No	No

TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate

Due to the depreciation of the ruble, many clients have become interested in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but exotic currencies are also gaining popularity - pounds, francs, yen, Australian dollars, and recently the yuan and the “Canadian” are gaining popularity. However, the most popular is still the US dollar.

currency - dollar;
amount – from 1,000;
period – at least 1 year;
The bank is one of the 200 largest.

It should be noted that some foreign currency deposits in Moscow banks at the maximum interest rate in the TOP-50 are part of a multi-currency deposit, which will be marked accordingly if this is not clear from the name of the deposit. With such deposits it will not be possible to invest only in dollars; you will need to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Bank's name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
Tauride	Urgent	3.8	1000	Monthly, capitalization	Yes	No
Globex	Accurate calculation online	3.35	200	At the end of the term	No	No
Binbank	Standard	3.2	100	Monthly	No	No
Ugra	25 years of reliability	3.1	500	Monthly	Yes	Yes
Promsvyazbank	Premium	3	3	At the end of the term	Yes	Yes
Globex	Rentier online (multi)	3	300	Monthly	Yes	Yes
Novikombank	Favorite	3	300	At the end of the term	No	No
BFA Bank	Contribution #1	3	500	Monthly, capitalization	No	No
Binbank	Maximum percentage	2.9	300	At the end of the term	No	No
Trust	Our people	2.9	500	At the end of the term	No	No
Trust	Generous interest	2.9	500	At the end of the term	No	No
Tauride	Multicurrency	2.8	710	At the end of the term	Yes	No
Finprombank	My conditions	2.8	1000	Monthly, capitalization	Yes	No
Ugra	Multi-currency basket	2.8	1000	At the end of the term	Yes	No
Credit Europe Bank	Urgent	2.75	100	At the end of the term	No	No
Loko-bank	Spring in the black (multi, dollar+euro)	2.75	300	At the end of the term	No	No
Globex	Bonus online	2.7 (growing)	200	At the end of the term	Yes	Yes
MDM Bank	Maximum percentage	2.7 (growing)	300	At the end of the term	No	No
Binbank	Monthly income	2.65 (growing)	300	Monthly, payment to account	Yes	No
Trust	Multicurrency 2016	2.65	500	At the end of the term	Yes	No
Ugra	Growing income	2.63	1000	At the end of the term	Yes	No
SMP Bank	Maxima	2.6 (growing)	50	Monthly, capitalization	Yes	No
Investtorgbank	Optimal	2.6	100	At the end of the term	Yes	No
Promsvyazbank	My benefit	2.6 (growing)	300	At the end of the term	No	No
Military Industrial Bank	Spring story	2.6 (growing)	1000	At the end of the term	Yes	No
Finprombank	Practical	2.6	1000	At the end of the term	Yes	Yes
Peresvet	Knight	2.6	1000	Monthly	Yes	Yes
All-Russian Regional Development Bank	Smart money	2.5	1	At the end of the term	Yes	No
Raiffeisenbank	Triple benefit (multiple)	2.5	1	At the end of the term, annual capitalization	No	No
Home Credit Bank	Profitable year	2.5	100	Monthly, capitalization	Yes	No
OTP Bank	Cumulative	2.5	300	At the end of the term	Yes	No
Ural Bank for Reconstruction and Development	Cumulative	2.5	300	Daily	Yes	No
BFA Bank	Saving strategy	2.5	500	Monthly	Yes	No
Metallinvestbank	Maximum income	2.5	1000	At the end of the term	No	No
Trust	Pension income	2.45	100	At the end of the term	Yes	Yes
Saint Petersburg	Online deposit	2.4	100	At the end of the term	No	No
Education	Base	2.4	200	At the end of the term	No	No
Binbank	Multicurrency	2.4	410	At the end of the term	Yes	No
Bank Finservice	Comfortable	2.35	1	Monthly, capitalization	Yes	No
Credit Europe Bank	Cumulative	2.35	100	At the end of the term	Yes	Yes
Rosselkhozbank	Classic online	2.35	100	At the end of the term	No	No
MDM Bank	MDM – The Magnificent Seven	2.35	1000	At the end of the term, capitalization daily	Yes	Yes
Military Industrial Bank	Comfortable	2.3 (growing)	100	At the end of the term	Yes	Yes
BFG-Credit	Classical	2.3	300	At the end of the term	Yes	No
Absolut Bank	Absolute maximum +	2.3	1000	At the end of the term	No	No
Orient Express Bank	Oriental	2.25	500	Monthly, capitalization	No	No
Renaissance Credit	Renaissance Profitable	2.25	500	At the end of the term	No	No
Tinkoff Bank	SmartVklad	2.25	1000	Monthly capitalization	Yes	Yes
Moscow Industrial Bank	Classical	2.25	1000	At the end of the term	No	No
Education	Maximalist	2.2	100	Monthly, capitalization	Yes	No

A deposit - or the so-called “deposit” - is money that the client places in the bank to protect and increase his capital.

The higher the interest rate on a bank deposit, the greater the potential income. The best interest rates on deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals differ in terms, currency and rate; there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

Both small and larger reliable banks in Moscow in 2019 offer several additional opportunities for time deposits and time deposits:

partial withdrawal and replenishment of funds on a deposit account gives the client the opportunity to use money without breaking the agreement with the bank;
capitalization is the monthly accrual of interest on the deposit account. That is, future interest is accrued not only on the amount of the initial deposit, but also on the interest already added;
automatic extension - automatic extension of the contract if the depositor does not withdraw the deposit at the end of its validity period.

To make the best deposit in rubles or foreign currency, consider these three points.

Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). The best interest rate deposits in Moscow banks are offered in Russian rubles.

Investing money in foreign currency is one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although rates on foreign currency deposits have decreased significantly due to exchange rate instability, you can receive income when the exchange rate against the ruble rises. This is how you can get the best income from your deposit in 2019.

Most Russian banks offer foreign currency deposits in dollars and euros. You can also place your savings in British pounds sterling, Swiss francs, Chinese yuan and Japanese yen. You can compare currency quotes on our website in the "Currency Rates" section. However, there are few offers of deposits at good interest rates in these currencies, since the demand for them is low.

And yet, what kind of deposit should a pensioner, student or middle-aged person choose? Our form will help you find an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

Today in Moscow, the highest interest rate in rubles is the At the Top deposit (share in NSZH 30-99.9%) in Gazprombank (JSC) - 9.50% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. It can be called the best deposit in rubles.