Each of us periodically thinks about the options for saving and using the available funds. If you have a free amount of funds, then you can use it in different ways: just put it in a piggy bank under your pillow, or find a profitable investment option for yourself. It is the deposits that allow not only to save the available capital, but also to increase it by accruing interest.
Favorable interest rates on deposits
Favorable interest on deposits primarily depends on the type of deposit:
- term deposits, for which the period of withdrawal of funds from the deposit is strictly limited, always have the best rates, because. the bank knows exactly how long it will hold your money;
- termless or short-term deposits, under the terms of which you can withdraw all the money at any time, do not have favorable deposit rates.
In addition, profitable deposits in banks differ in the time of payment of interest:
- daily;
- once a week;
- once a month;
- once a quarter;
- only at the end of the term.
Under the terms of deposits 2020, the most favorable interest rates are charged on deposits with interest paid at the end of the term.
Choosing a bank for a profitable deposit
When choosing a bank to place your deposit, you need to pay attention to the following important points in the conditions:
- the interest rate that will accrue on your deposit amount;
- a fixed amount for monthly replenishment of the deposit;
- Are there any restrictions on the minimum and maximum deposit amount;
- what is the minimum and maximum period for which a deposit can be made;
- what documents are required for registration of this service;
- what sanctions are established for early withdrawal of cash, whether such an option is provided at all;
At the moment, banks offer to open profitable deposits in rubles and in foreign currency, for individuals, for pensioners and for other categories of citizens.
Of course, it is the interest accrual system that is one of the decisive factors in choosing a bank and a deposit program. So, today such banks as Sberbank, VTB offer the most favorable conditions for term deposits for a period of 3 years without the possibility of replenishment or partial withdrawal.
How to open a profitable deposit?
On this page you will find the most profitable bank deposits. will help you quickly calculate all the conditions. To do this, enter your initial requirements in a special form:
- the amount of the deposit;
- term of the deposit;
- the possibility of replenishment;
- conditions for capitalization;
- the possibility of partial withdrawal;
- the presence of auto-prolongation.
The system will then show you the deposit options that match your requirements.
After you choose your deposit option and bank, all you need is your passport, the money you want to deposit and one visit to the bank.
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 advantageous offers on the market, it was 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.
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.
Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.
Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.
The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").
The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.
Online Assistant
On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru
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 best 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 |
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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 |
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Gift a life | Rubles: 6.4 (6.56) | 10 000 rubles |
|
metal bills |
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Payment in rubles at the selling rate set by the bank: gold, silver, platinum, palladium | |||
Savings certificates |
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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.