The profitability of ruble deposits over the past month has increased significantly. Today, investors can catch a good moment and open a deposit at 20 percent or more per annum. Sravni.ru presents a rating of the most profitable deposits offered by banks from the top hundred.
To search for the most profitable offers on the market, we used, which calculates the amount of income on savings in 400 banks in Russia. The average deposit in the amount of 100 thousand rubles, placed for 1 year, was chosen as the basis.
Top 20 most profitable deposits
| № | Bank | The product's name | Income (rub.) | Interest rate |
| 1 | Rosinterbank | 19 269,54 | 20,10 | |
| 2 | Intercommerce | 19 135,39 | 20,00 | |
| 3 | Trust | 18 387,71 | 21,00 | |
| 4 | Vneshprombank | 17 989,26 | 18,35 | |
| 5 | Rosinterbank | 17 759,08 | 20,03 | |
| 6 | Renaissance Credit | 17 734,14 | 20,00 | |
| 7 | IBA-Moscow | 17 618,01 | 18,00 | |
| 8 | Peresvet | 17 442,50 | 19,70 | |
| 9 | Alfa Bank | 17 316,67 | 17,60 | |
| 10 | FC Otkritie | 17 150,00 | 19,25 | |
| 11 | Binbank | 17 034,04 | 19,00 | |
| 12 | Yugra | 17 312,50 | 19,50 | |
| 13 | Rosgosstrah Bank | 17 723,30 | 18,00 | |
| 14 | Eastern Express Bank | 16 251,56 | 16,05 | |
| 15 | Uralsib | 16 214,04 | 16,00 | |
| 16 | Ural Bank for Reconstruction and Development | 15 902,40 | 17,00 | |
| 17 | Probusinessbank | 15 882,09 | 16,00 | |
| 18 | Credit Europe Bank | 15 816,44 | 17,00 | |
| 19 | Yugra | 15 810,86 | 17,04 | |
| 20 | IBA-Moscow | 15 687,50 | 17,00 |
Just a month ago, the maximum yield on a deposit under the same conditions was a maximum of 12,644.34 rubles, and now the leader of the rating, Rosinterbank, offers to open a Champion (online) deposit at 20.1% per annum and receive 19,269.54 rubles in 12 months . If you open a deposit not via the Internet, but at a bank office, the rate will be 20%.
In second place was the bank Interkommerts, offering a deposit at 20% per annum. The yield on this deposit will be 19,135.39 rubles. And in third place is Trust Bank with a rate of 21%. The bank will be sanitized, but this does not prevent customers from opening new deposits in it. In some branches, where depositors have difficulty getting their deposits, employees suggest not to withdraw money from the bank, but to put it on a new deposit at a high interest rate. It is quite possible that for them now it would be quite a reasonable decision, given that while there is no money in the bank's cash desk, and the insured event has not occurred, the procedure for obtaining a deposit may be delayed, and the money does not yet generate income.
$ 265
€ 210
$ 324,38
€ 299,04
After the rapid collapse of the ruble, many investors began to think about opening multi-currency deposits. Such deposits help protect money from fluctuations in exchange rates. When one currency depreciates, others automatically rise in price. As a result, the owner of the deposit does not lose anything with the correct ratio of the amount of currency. Experts advise opening such deposits to those who constantly keep abreast of the banking system and monitor currency fluctuations.
The past year was not just successful for the first bank of Russia. The turn towards non-standard solutions for Sberbank surprised not only its most devoted and conservative clients.
According to statistics in the Yandex search engine alone, more than 9 million requests are devoted to him every month. As for attracting funds from individuals, the bank's analysts note the launch in Moscow of a special tariff plan for premium clients (Sberbank Premier channel), as well as the opening of the 100th office for wealthy clients (Sberbank First channel). Wealthy clients placed more than 780 billion rubles on the bank's deposits. The share of the remaining liabilities of the Sberbank First channel in the total liabilities of Sberbank increased from 9.3% to 10.6% over the year.
Results of the past year
A completely natural result of the new policy was an increase in household deposits in 2013 by 20.6%, the total amount of which is already more than 40% of all bank deposits of individuals. In one December, the funds of individuals increased by 644 billion rubles and approached 8 trillion. rubles. If we compare this number with the volume of deposits of the largest retail bank in the country, VTB24, which ranks second in terms of the amount of capital raised from individuals, then the latter has the same figure only up to 1.3 trillion. rubles, i.e., it turns out to be 6 times less. According to preliminary data, the net profit of Sberbank last year amounted to 350 billion rubles, and this is almost 10 times more than the income of the second bank of the Russian Federation.
It will not be out of place to remind you that not only on these balance sheet indicators, Sberbank consistently occupies the first lines of various financial ratings among Russian financial institutions. The classic Sberbank net asset size index, which traditionally ranks banks in the global financial system, shows a level of 16.7 trillion. rubles, which is 5 times more than that of Gazprombank, which occupies the next place in the Russian economy.
It is on the basis of the indicators of these five, which attract the largest amount of funds from the population, that the Central Bank calculates the maximum deposit rate for a benchmark in the bank deposit market.
prospects
According to most experts, Sberbank's deposit offers in the coming year will be characterized by a gradual reduction in rates. And all this is due to the fact that new loan programs with very attractive conditions for borrowers are constantly appearing among the bank's retail products. And, as a result, it is no longer profitable for Sberbank to raise money in deposits on the same terms, because after the reduction in the cost of credit programs, the cost of attracting free funds from depositors decreases.
It should be clarified that we are talking about a decrease in the yield on ruble deposits. In the case of foreign currency deposits, the question is still open, since the processes taking place in the world economy will have a certain influence here.
Contributions in 2014
The Sberbank deposit program for 2014 includes classic time deposits in rubles and foreign currency, deposit accounts for pensioners, for clients on the Internet, and a special charitable account. Also, in order to save and accumulate funds, the bank offers to open depersonalized metal accounts or purchase. Each person will be able to choose the most optimal option for their savings, in order not only to save them, but also to increase them.
| The product's name | Rates (range in %) | Term (range in months) | Minimum amount |
Classic term deposits |
|||
International | Yen: 0.3 - 2.25 CHF: 0.1 - 2.5 Pound Sterling: 0.55 - 3.25 | 1,000,000 yen10,000 Swiss francs10,000 GBP | |
Multicurrency | Rubles: 0.01 - 5.9 Dollars: 0.01 - 1.78 Euro 0.01 - 1.78 | RUB 5 USD 5 EUR 5 | |
Replenish | Rubles: 4.6 - 7.28 Dollars: 0.4 - 2.11 Euros: 0.4 - 2.11 | ||
save | Rubles: 4.4 - 7.76 Dollars: 0.3 - 2.33 Euro: 0.3 - 2.33 | RUB 1,000 USD 100 EUR 100 | |
drive | Rubles: 4 - 6.68 Dollars: 0.35 - 1.9 Euro: 0.35 - 1.9 | ||
Online deposits available for opening on the Internet |
|||
Refill Online | Rubles: 4.85 - 7.58 Dollars: 0.5 - 2.22 Euro: 0.4 - 2.22 | RUB 1,000 USD 100 EUR 100 | |
Save Online | Rubles: 4.65 - 8.07 Dollars: 0.4 - 2.43 Euros: 0.4 - 2.43 | RUB 1,000 USD 100 EUR 100 | |
Drive Online | Rubles: 4.25 - 6.97 Dollars: 0.45 - 2.01 Euro: 0.45 - 2.01 | RUB 30,000 USD 1,000 EUR 1,000 | |
Deposit accounts for pensioners |
|||
Pension Plus | Rubles: 3.5 (3.67) | ||
Replenish (retirement) | Rubles: 5.3 - 7.28 Dollars: 0.8 - 2.11 Euro: 0.8 - 2.11 | 1 000 rubles 100 USD |
|
Save (retirement) | Rubles: 5 - 7.76 Dollars: 0.6 - 2.33 Euro: 0.6 - 2.33 | 1 000 rubles 100 USD |
|
Special charitable contribution |
|||
Gift a life | Rubles: 6.4 (6.56) | 10 000 rubles |
|
metal bills |
|||
Payment in rubles at the selling rate set by the bank: gold, silver, platinum, palladium | |||
Savings certificates |
|||
Savings certificate of Sberbank of Russia | 10 000 rubles |
||
The maximum values of interest rates are indicated taking into account capitalization.
As you can see from the table, the duration of savings in Sberbank starts from one month and ends with a period of 3 years, if we talk about deposits, and has no limit, if we invest in precious metals.
The interest rate depends on the sum range in deposits: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
By the way, pensioners now also have the opportunity to open Sberbank deposits online. Moreover, the bank holds free training seminars for them on the elimination of computer illiteracy. In addition to learning how to use Internet banking, the courses talk about other useful features that are available to anyone through a virtual network: finding transport schedules, buying tickets, public services and information about benefits.
The procedure for paying and accruing interest on Sberbank deposits in 2014 may be as follows:
— At the end of the term: International Savings Certificate.
– Monthly rent or capitalization once a month at the choice of the client: Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save online, Manage, Manage Online.
— Quarterly rent or capitalization once a quarter at the choice of the client: Multi-currency, Give life.
— Quarterly rent: Pension plus.
Most Sberbank deposits provide additional management options during the term of the agreement:
— Replenishment: Multi-currency, Pension plus, Replenish, Replenish (retirement), Replenish Online, Manage, Manage Online, CHI.
— Partial expense: Pension plus, Manage, Manage Online, CHI.
— Simultaneous ability to spend and replenish: Pension Plus, Manage, Manage Online, CHI.
— Preferential accrual of interest in case of early termination of the contract: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
You can make a deposit in favor of third parties, for example, for minor children or other relatives, in the products: Replenish, Manage, Save, Save Online, CHI.
It's done! From November 10, the Bank of Russia stopped fixing the corridor of the value of the dual-currency basket and nevertheless “released” the Russian ruble to float freely. In recent days, our currency has “floated” far enough – up to 48 rubles for one dollar and up to 60 for one euro. In an environment of severe devaluation, foreign exchange assets are truly popular interest. The simplest and most accessible of them for the population are bank deposits in foreign currency, primarily in euros and dollars. The topic of the article is the ten most attractive offers on foreign currency deposits for individuals from Russian banks (*).
The measure of attractiveness will be the interest rate on foreign currency deposits (which is quite natural), as well as the level of solidity (and reliability) of a banking institution.
Let's start analyzing foreign currency deposits in banks with the proposals of the largest systemic financial organizations.
1. Sberbank
Foreign currency deposits in Sberbank are represented by two interesting products - deposits "Save" and "Multicurrency Savings Bank of Russia".
On the first deposit, the bank charges the maximum interest rates, both on ruble deposits and on foreign currency deposits. Dollars or Eurocurrency can be placed for a period of one month and up to three years inclusive. Replenishment and partial withdrawal of funds is not provided. The minimum deposit is one hundred dollars or euros.
Interest accrual - monthly with the addition to the deposit amount (capitalization). Interest income can be withdrawn without waiting for the deposit to expire. Deposit rates depend on the term and size of the deposit.
On the amount of 100 to 3 thousand dollars / euro and from one to two months, the rate is 0.3% per annum. With an increase in the dollar amount over 100 thousand and over a three-year period, the simple interest rate is 2.95%, and the compound interest rate is 3.08% per annum. With similar parameters of the euro-deposit, the rate is 2.60% (2.70%) per annum.
In case of early termination within the first six months, Sberbank pays 0.01% per annum. If the client terminates the contract after more than six months - two thirds of the base rate.
The bank opens a multi-currency deposit in three currencies at once - rubles and two major foreign currencies (dollar / euro) from one to two years. The minimum amounts have been reduced to $5/EUR. The account mode allows you to replenish it in cash from 100 dollars / euros. There are no restrictions for non-cash replenishment. You cannot withdraw money from the deposit.
Foreign currency deposits of this type in Sberbank have a differentiated scale of interest rates, depending not only on the period, but also on the size of the minimum balance. With the value of the last 5 dollars / euro, it is equal to only 0.01% per annum. If the depositor provides 100 thousand dollars / euros, then for a two-year period he can claim 1.75% (1.78% compound interest) per annum. The amount of the minimum balance is fixed in the deposit agreement or in an additional agreement to it. Interest income is accrued once every three months and can be withdrawn or capitalized. The conditions for early termination are similar to the conditions of the “Save” deposit.
The main advantage of a multi-currency deposit is the possibility of a cashless transfer between currencies (conversions) within the limits of the account balance, without any commissions.
2. VTB24
The main state competitor of Sberbank in the retail market, VTB24, positions the Profitable deposit as the most attractive. The period is from three to sixty months (five years). Interest is accrued and paid monthly or capitalized at the option of the depositor. Withdrawing money partially from the deposit is prohibited. If the early termination of the contract occurred no earlier than 180 days, then VTB24 charges 0.6 of the rate applicable to the deposit on the date of termination. The minimum amounts are 3 thousand dollars / euros.
It is interesting that the highest rates on Profitable from VTB24 exactly match the rates of the Save deposit from Sberbank, but the amounts may be smaller.
So, for a deposit from 50 thousand dollars for a period of 1102 days (from three years), it is equal to 2.95% (3.08% for compound interest). For amounts over EUR 50,000 for the same term – 2.60% (2.70%).
3. Bank of Moscow
Repeats the maximum foreign exchange rates of state-owned banks and the municipal Bank of Moscow. The most attractive in terms of interest rate, both ruble deposits and foreign currency deposits, are positioned by the bank in the “Maximum Income” product.
The lower limit on accepted amounts is 100 USD/EUR. Deposit terms - from 90 days to three years. Monthly interest calculation period. The procedure of capitalization or payment of interest is possible. An interesting promotion - if a deposit is opened online (via Internet banking), then the client has an addition to the rate of 0.1% per annum.
For a deposit over 75 thousand dollars for a period of three years, the same 2.95% (3.08%) per annum. For a deposit from 75 thousand euros - 2.60% (2.70%).
4. Gazprombank
Slightly more favorable conditions can be found in another state banking institution - Gazprombank. The most highly profitable deposits in dollars, euros and rubles are concentrated in the Gazprombank-Promising deposit program. Placement periods range from 181 days to three years plus one day. The minimum amounts are 500 USD/EUR. Replenishment and expenditure on the deposit is prohibited. Interest income is paid for deposits with a term of up to a year - at the end of the period. For longer ones - every year and at the end of the term.
A deposit in dollars gives the highest interest (3.1% per annum) for amounts from 10 thousand for a period of three years and one day. For euros, the same 3.1% for a deposit of 10 thousand and for the same maximum period. Thus, the euro-offer from Gazprombank is somewhat more profitable than from banks Nos. 1-3. That's just, this small benefit is crossed out by the unavailability of interest until the end of the deposit (or the first year for deposits of more than a year).
5. Rosselkhozbank
The most profitable deposits in euros and dollars, as well as in rubles, are offered at the Agricultural Bank from October 28, 2014 on the Zolotoy deposit. Money can be placed through an ATM or Internet banking ("Internet office"). The minimum deposit amount is very high - 50 thousand USD/EUR. Interest income is paid at the end of the term of the deposit agreement. Replenishment and partial withdrawals are prohibited. Terms - from 91 to 1460 days (4 years). Rates for a four-year period - 4.0% per annum for the dollar and 3.75% for the euro. The interest is interesting enough, but the way it is paid (at the end of the fourth year) blurs the picture. For one year, we have 3.3% per annum for the dollar and 3.05% for the euro.
6. Promsvyazbank
Deposits in dollars and deposits in euros with interest are the most attractive for the product "Big rates". If the deposit is made at the office of Promsvyazbank, then the minimum amount is 1000 dollars or euros. When opening an account through PSB-Retail Internet banking, it is reduced to 300 currency units. Deposit period - 397 days. Replenishment is possible (without restrictions during the first 91 days). There are two interest periods. The first is up to 184 days and the second is from the 185th to the 397th day. For the first period, regardless of the amount, the rate of 1.5% per annum for both currencies works. For the second - 4.0% per annum. The average value is 2.75% for the full term. Interest can be received after the end of the relevant periods or capitalized. If the client held the deposit for more than half of the term, then in case of early termination, the accrued interest is retained in full.
Promsvyazbank, similarly to Sberbank, is promoting its own version of a multi-currency deposit - "Multi-currency basket". Also, within one deposit, you can open in three currencies - ruble, dollar and euro. There is a non-cash conversion between currencies at the rate of the bank on the date of the operation. There is a function of replenishment of the account (no later than 30 days before the expiration of the deposit). It is possible to spend within the minimum balance in the context of each currency. The maximum deposit amount in foreign currency is limited to half a million dollars or euros.
The minimum balance, which is also the minimum deposit in the currency defined as the main one, is 300 (via Internet banking) / 1000 (via the office) dollars or euros. For additional currency - 1 dollar / euro.
The term of the deposit is 91, 184 and 397 days.
The maximum rate (397 days) for the dollar is 3% per annum, for the euro - 2.6%.
7. Alfa-Bank
The largest private bank in Russia offers the Pobeda deposit with the highest income levels in the bank. The minimum for accommodation is 500 euros or dollars. Terms - from 92 days to three years. Interest is capitalized monthly. From November 1, 2014, the highest interest rate on the dollar is valid for a three-year period for amounts over 120 thousand and is equal to 4.5% per annum. For a deposit of 120 thousand euros for three years, we have 4.3% per annum. Interest rates are calculated using the compound interest method.
8. Renaissance Credit
The Bank combines deposits in euros and dollars, as well as in rubles, from the point of view of maximum profitability, in the “Profitable” deposit. The minimum amount is two hundred dollars / euros. The investor receives interest at the end of the term. The periods for which Renaissance Credit accepts money for the Profitable deposit are 731, 367, 181 and 91 days. For a period of 367 days, the rate on the dollar and the euro is 4.75% per annum. Deposits and withdrawals are prohibited. If early termination occurs after 367 days, the bank recalculates interest income at a rate of 2.25% per annum. 9. "SB Bank"
Let's move on to the banks that give the highest deposit rates on foreign currency deposits.
"SB Bank" positions the product "Guaranteed income". The deposit gives very decent rates even with an early break. The minimum amount is one and a half thousand dollars or euros. Terms for placement - from one to one and a half years. Interest is available for withdrawal at the end of the term. It is possible to replenish without restrictions, but no later than one month before the expiration of the contract. Partial withdrawals are prohibited. The rate for both types of currencies is fixed at 5.5% per annum. In case of early termination in the period from the 366th to the 547th day, the rate of 5% per annum for the dollar and euro applies.
10. Bank "Ugra"
According to our rating, the best currency deposit in 2014 is the Fulfillment of Desires deposit from Yugra Bank. The program is valid from November 1 of the current year to February 28, 2015. The lower limit of accepted amounts is 300 euros or dollars. Terms - 61 - 730 days. You can replenish in the amount of twenty dollars / euros, no later than 30 calendar days before the end of the deposit. A single withdrawal of funds during the term of the agreement is allowed, in the amount of not more than 40% of the amount deposited at the opening. Rates for terms from 547 to 730 days for the dollar - 5.7% per annum, for the euro - 4.7%. Capitalization of interest is allowed.
Which bank to choose in 2014 in Moscow for investment? Where is the highest percentage? Are short-term deposits profitable?
In connection with the events of the end of 2014, the interest rates of banks indicated in the materials below, in some way, have lost their relevance. However, the general principles for selecting deposit proposals remained unchanged.
Tinkoff Credit Systems (data as of December 2014) interest on deposits - up to 20% in rubles and 6-7% per annum in USD and EUR
The choice of this or that deposit in the city of Moscow is influenced by the desires of customers. The purpose of using a savings instrument is very important: accumulation or settlement. Of course, the choice in the center of Russia is greater than in the regions, for example, in Ufa, so the consumer is guided not only by high deposit rates, but also by the accompanying bonuses. The greater the functionality of a particular deposit, the higher the rate assigned by the bank. All contributions can be divided into the following groups:
- Savings - according to them, the bank prohibits withdrawing and replenishing the account balance;
- Accumulative - according to them, the bank only allows replenishing the account balance;
- Settlement - their bank allows you to replenish and withdraw money from them.
What deposit in banks has the highest percentage in 2014? If we calculate the rate based on the amount of invested funds, then a high percentage on the deposit is observed only in promotional offers. Short-term deposits generally do not allow you to make good money.
For ordinary residents of the Russian Federation, bank deposits remain the only way to save money. Everything is accessible and understandable here, no special knowledge of managing money accounts is required. In this case, it is better to choose deposits with capitalization. The highest interest on deposits in 2014 is for deposits that are urgently replenished, do not have the ability to withdraw part of the savings, every month the interest is capitalized. This is where the compound interest formula comes into play.
To give your money to the bank, you should first carefully study all the offers that are on the market in 2014 and calculate.
Russian standard
Russian Standard Bank has various offers, the most profitable of them:
- Winter's Tale - the calculation of income on such a deposit is 10.5%. Payment is made at the end of the deposit term. Registration by Russian Standard is carried out from November 23, 2013 to January 31, 2014. During the term of the deposit, you can increase the savings. The term of placement is extended automatically. Interest depends on the account balance.
- High interest - income equals 9.25%. The term is calculated with an accuracy of one day. The Russian Standard raises the rate with an increase in savings.
- Rentier - the calculation of the deposit rate is 8.25%. Russian Standard makes permanent payments or capitalization. This is where the compound interest formula comes into play. Income grows with additional investments. The client chooses the method by which the percentage is transferred: every quarter or every month.
- Pension plus - calculation of the highest profit on this deposit Russian Standard gives 9%. The term of storage of the deposit is indicated with an accuracy of one day. Income grows with replenishment, the compound interest formula works. Interest is paid regularly, and it is also possible to get a free bank card.
- Convenient - the amount of profit can reach up to 8.75%. The deposit can be regularly replenished, you can withdraw part of the money from the deposit. The size of the minimum balance Russian Standard allows you to choose at the conclusion of the contract.
- Fairy tale investment - issued from October 4, 2013 to March 31, 2014. The calculation of profit reaches 13.5%. Money Russian Standard places simultaneously on deposit and mutual funds. The amount of return is the sum of the term, amount and share in the mutual fund.
Rosselkhozbank
Rosselkhozbank also works with individuals on deposits, among the offers in Rosselkhozbank for placing deposits are the following options:
- Classic - interest grows with the increase in the term of the deposit, their value can reach up to 10.75%. The deposit cannot be replenished. Rosselkhozbank requires a minimum first investment of 3,000 rubles. Withdrawal is prohibited.
- Accumulative - income calculation increases in proportion to the investment period, can reach up to 8.4% per annum. You can replenish the account, you can not withdraw partially. The largest deposit amount should not exceed 1,500,000 rubles.
- Managed - the calculation of profit increases with the growth of the investment term, its size can reach up to 7.1%. Savings Rosselkhozbank allows you to replenish and withdraw up to the size of the minimum balance. The deposit limit is 1,500,000 rubles.
- Golden pension - interest increases with the length of the placement, reaching up to 8.25%. Rosselkhozbank allows you to replenish the deposit, partially withdraw money from it - no. The amount of investments is a maximum of 3,000,000. The compound interest formula works.
- Pension plus - profit calculation reaches 8.15% and depends on the period of investment. Rosselkhozbank allows replenishing and withdrawing part of the savings up to the minimum balance. The size of investments should not exceed 3,000,000. The compound interest formula works.
- Children's - profit can be a maximum of 9.15%, depending on the period of placement. Rosselkhozbank allows savings on the account to be increased. The compound interest formula works. It is impossible to withdraw part of the money from the deposit. The maximum investment amount is 5,000,000.
- Gold - maximum yield of 10.75%. Rosselkhozbank prohibits replenishing and withdrawing part of the savings. The size of the deposit is unlimited.
- Platinum - maximum yield of 7.45%. Rosselkhozbank allows you to replenish and withdraw funds from the account. The amount of investments should not exceed five times the value of the initial placement.
- Managed plus - the maximum yield on the deposit is 7.7%. You can top up and withdraw. The amount of investments on this deposit in the Russian Agricultural Bank should not exceed three times the amount of the initial placement.
For the last three deposits, the Russian Agricultural Bank requires a minimum of 1,500,000 rubles.
Sberbank
Sberbank offers its customers a large number of deposits, among them are:
- Savings certificate from Sberbank - allows you to receive a high income compared to conventional investments. The maximum rate is 9.3%. Sberbank requires a minimum first investment of 10,000 rubles, a period of 91 days.
- Save from Sberbank - allows you to receive maximum income. The profitability of the deposit is 7.76%. Sberbank requires a minimum first investment of 1,000 rubles. Investment period - 1 month.
- Replenish from Sberbank - serves to create savings. Partial withdrawal from the account is prohibited, but replenishment is allowed. Sberbank sets a storage period of 3 months. The rate is 7.26%. Contribution from 1000 rubles.
- Manage from Sberbank - created to use part of the funds from the account without loss of income. Sberbank allows you to replenish and withdraw funds from the account. Contribution from 30,000. Investment period - 3 months. The deposit rate is 6.68%.
- Give life from Sberbank - serves to help children with serious illnesses. Replenishment from 10,000, storage period - 1 year, Sberbank gives a deposit rate of 6.56%.
- Multicurrency of Sberbank of Russia - to receive income from speculation on currency pairs. Sberbank does not allow withdrawal. You can invest from 5 rubles. The storage period is 1 year, the rate is 6.21%.
- Savings account from Sberbank - created to be able to work with funds in the account. Sberbank allows you to withdraw and replenish your account, the rate is 2.3%.
- Profitable from Sberbank - the rate decreases over time. Up to one year of storage - 8%, after that it decreases to 3%. Contributions from 1000, term - 2 years.
Sberbank's network is the largest in Russia, so keeping savings in its accounts is the safest.
VTB 24
VTB 24 Bank offers the following deposits for its clients:
- VTB 24 deposit The best choice is the placement period does not exceed 18 months. VTB 24 accepts deposits from 30,000. The calculation of the rate can increase up to 9%. You can choose the method of paying interest and the frequency. You can make additional investments and withdraw funds up to the level 24 established by VTB.
- VTB 24 deposit Maximum - the period of placement of funds should not exceed 3 years. The calculation of the minimum replenishment amount is 250,000. The income can be equal to 7.25%. Interest is paid only at the end of the deposit placement. It is impossible to withdraw from the account and replenish it.
- VTB 24 deposit Freedom of choice – deposits can be placed in euros. The placement period is up to 5 years. Replenishment from 15,000 rubles to 3,000 euros. Calculation of the maximum rate - 6.8% in rubles, 1.30 in euros. The rate plus capitalization (compound interest formula) is 7.52 in rubles and 1.33 in euros.
- VTB 24 Active - deposits can be placed in euros. The placement period cannot be more than 3 years. VTB 24 accepts deposits from 15,000 rubles to 3,000 euros. The rate can be up to 6.3% in rubles and 1.15 in euros. The rate plus capitalization (compound interest formula) is 6.92% in rubles, 1.12% in euros.
Orientation in banking offers
If you carefully calculate, then from the offers on deposits in different banks it is clear that the client must be guided by his goals, then he will find suitable conditions for himself. Short-term deposits do not always have a low income, but most of them are of little profit.