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Changing rates
Expobank has revised the conditions for placing the deposit "Jubilee 25"
Expobank raised the rate on the Yubileiny 25 deposit. Now, when placing funds for 1 year (366 days) and receiving interest at the end of the agreement, the yield of the deposit program will be 6.5% per annum. The amount to be placed remains the same - from 100 thousand to 20 million rubles. within 60 days from the moment
30 Dec 2019RSHB offers to make a deposit with increased profitability
Until the end of this year, the Russian Agricultural Bank can make a deposit with a yield of 7% per annum. The rate is provided on the "Profitable" deposit when placing funds for 3 years (1095 days). Interest is paid at the end of the term of the deposit agreement. The RSHB has other deposit services, the rates for which are higher when
02 Dec 2019Actual
Absolut Bank has improved conditions for the Absolute Income deposit
Absolut Bank allowed clients to replenish the Absolute Income deposit within a month after its opening. The maximum amount of additional contributions is set at 10 million rubles / 200 thousand dollars. The amount of a one-time replenishment is from 1 thousand rubles / 100 dollars. Depositors can also now withdraw the interest credited to the deposit account without waiting
06 Nov 2019New Product
Bank Rossiya introduces a new autumn deposit
A new seasonal deposit service has appeared in the assets of Rossiya Bank. The maximum rate on the Velvet Season deposit is 6.4% per annum. The rate is provided when placing at least 10 million rubles on the deposit account for a period of 1 year. The deposit can be issued for at least 31 days. The amount of the deposit is from 3 thousand rubles. The minimum deposit rate
17 Sep 2019Idea, Novella and Ideal among UBRD contributors
According to the Ural Bank R&D, women are the most active in the deposit services of the credit and financial structure. At the same time, the average amount of the contribution of men is greater than that of the representatives of the beautiful half of humanity. In absolute terms, this is approximately 660 and 490 thousand rubles, respectively. Based on the results of the first 5 months of 2019
June 24, 2019New Product
"Vozrozhdeniye" presents the contribution "Double Benefit"
Vozrozhdenie Bank offers to issue a Double Benefit deposit. The maximum yield of the new deposit service is 7.98% per annum (including capitalization). The rate is provided when placing funds for 1 year. The minimum amount for placement is 50 thousand rubles. The "Double Benefit" deposit is issued after the conclusion of the agreement
01 Apr 2019New Product
"Vozrozhdenie" offers to issue a deposit "Traditions of Growth"
Vozrozhdenie Bank has developed a new deposit service, which makes it possible to receive an income of up to 8.26% per annum. The rate is provided when placing funds in the amount of 500 thousand rubles or more for a period of 3 years (1095 days). The minimum volume of placement under the Traditions of Growth deposit program is 10,000 rubles, the minimum
March 04, 2019Changing rates
Promsvyazbank has increased the attractiveness of the "My income" deposit
The profitability of the flagship deposit of Promsvyazbank "My income" increased to 7.8% per annum. The rate is provided when placing at least 100 thousand rubles on a deposit account for a period of 18 months using remote banking services (online and mobile banking, ATMs). Pensioners can also receive an income of 7.8% per annum,
20 Feb 2019
The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.
A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.
Most deposits that are issued at maximum interest have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:
- 1 month;
- 3 months;
- 6 months (six months);
- 1 year (12 months).
Deposits with the highest interest rates today
Thinking about where to invest money in 2019 so that it works, many are wondering: which bank has the largest percentage of deposits today. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term of the deposit.
Deposits at the maximum percentage in top 10 banks
"New Year's Dreams" - MKB
- Without replenishment
- Without partial removal
- Capitalization monthly
- % monthly
"Your success" - Gazprombank
- Without replenishment
- Without partial removal
- Capitalization monthly
- % at the end of the term
"Fix your income" - Rosselkhozbank
- Without replenishment
- Without partial removal
- Without capitalization
- % at the end of the term
"Reliable Promo" - FC Otkritie
|
6,3%
|
750 000 |
1 year |
- Without replenishment
- Without partial removal
- Capitalization monthly
- % monthly
"150 Years of Reliability" - Rosbank
- Without replenishment
- Without partial removal
- Without capitalization
- % at the end of the term
"Even higher" - Alfa-Bank
- Without replenishment
- Without partial removal
- Capitalization monthly
- % monthly
"My income" - Promsvyazbank
- Without replenishment
- Without partial removal
- Without capitalization
- % at the end of the term
Deposits with maximum interest for 1 month
Deposits with maximum interest for 3 months
High interest deposits for 6 months
High interest deposits for 1 year
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
Deposits with maximum interest for 3 years
What is the safest amount to open deposits?
According to Russian legislation, deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.
Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.
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 2020. 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.