Interest on deposits. Bank deposits. Pros and cons of time deposits with maximum returns

The best deposits are those that bring the highest income and offer favorable conditions. The choice of conditions depends on the goals set: investment, accumulation or preservation. The advantage of keeping money in banks is the constant increase in the money supply, the intensity of which exceeds the rate of inflation. Time bank deposits are limited to certain retention periods from several months to several years.

Conditions and options by which you can make a choice:

• % rate;
• possibility of making contributions throughout the year;
• monthly capitalization;
• the currency in which you make the purchase;
• auto-renewal - the terms of the contract continue to be fulfilled, even if you do not withdraw the money at the end of the term;
• convenient time.

Investments can be made in rubles, dollars, euros and other currencies.

The "Creditznatok" service allows you to find the most profitable deposits in the city. Using a simple table, you can quickly compare interest rates among banks in Moscow and weed out unnecessary offers. The website provides the following information:

• Name;
• interest rate;
• deposit amount;
• term;
• currency.

Urgent placements

A time deposit in a bank is a bank deposit with a certain storage period. The established interest rates on deposits allow the depositor to receive income from funds generated during the bank’s financial transactions with his money. Interest in this case is issued only along with the invested money at the end of the contract. If you urgently need money and you decide to withdraw it, you will have to pay a fine, and the interest will be reduced to a minimum value.

Urgency allows banks to plan the use of funds, so they offer the best interest rates for urgent investments. At the time of investing funds, an agreement is concluded in which all the nuances are fixed: amount, deposit period, currency, withdrawal conditions, interest rate, etc.

Interest is calculated in different ways:

• using simple interest formulas;
• using compound interest formulas;
• using a fixed or floating rate.

How to choose a bank?

"Creditznatok" will help you quickly find favorable interest rates on deposits in banks and consult with specialists online - this saves a huge amount of time at the stage of choosing your bank. Look for profitable bank deposits with us quickly and as conveniently as possible.

When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP 50 credit institutions in the country were used in order to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust – 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers a special program for people of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the agreement. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.

Deposits in Moscow at high interest rates in 2018: compare the rates and conditions of the most profitable bank deposits today for individuals, including pensioners.

Deposits at high interest rates in Moscow banks - 2018

Individual deposits are by far the most popular and sought-after way to invest money. By giving our savings to banks, we hope not only to save, but also to increase our funds. That’s why we try to choose deposits where the interest rates are the highest and the conditions are the most convenient.

Today Moscow banks offer a large number various types deposits for individuals. But all of them can be divided into several large groups:

Time deposits under maximum percentage. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot withdraw money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.

Replenishable deposits. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw even a small amount of funds from the account without losing income.

Spending deposits with partial withdrawal of funds without loss of interest. Such deposits have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued in this case.

The most profitable deposits in Moscow in rubles in 2018

In this comparative table, we have collected ruble deposits of individuals with the maximum interest rates that Moscow banks offer today.

Bank International Financial Club Deposit “Confident Choice”

Natsinvestprombank Deposit “Choice of Success”

• See what interest rates on deposits are offered today

Bank ZENIT Deposit “Dessert (online)”

Bank Klyukva Deposit “My Profitable”

Bank standard-credit Deposit "Urgent-Lux"

Inkarobank Deposit “Time of Discovery”

• See the conditions under which you can open a bank deposit today

Ziraat Bank Moscow Term Deposit

Bank New century Deposit “VIP Top up”

Inkarobank Deposit “High Interest”

Deposits in Moscow at maximum interest rates in dollars

In this comparative table, we have collected dollar deposits of individuals with the maximum interest rates that Moscow banks offer today.

Bank "St. Petersburg" Deposit "Strategist online"

SMP Bank Deposit "Strategy"

Binbank "Investment in the future (Accumulative insurance)"

Alfa-Bank Deposit “Pobeda+ (Maximum+ package)”

Inbank Deposit "Maximum"

Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"

Oriental Express Bank Deposit "Vostochny (tariff zone 1)"

Promtransbank Deposit “Term in foreign currency”

Mosoblbank Deposit “Personal”

Which bank in Moscow is better to open a deposit?

When choosing a bank in Moscow for making a deposit, today you should first of all evaluate the size of the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is insured against a fall. Of course, except for systemically important banks, which the Central Bank will most likely rescue in any case.

Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so it is possible to get your money back even if the bank fails.

How to open a bank deposit correctly

In pursuit of a high percentage, you can now secure your savings by choosing not even the most reliable bank for your deposit. Today it is more important to correctly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the amount that the DIA will return to you in the event of revocation of the license. It is better to break a large amount into parts and distribute it among several banks in Moscow at the most favorable interest rates.

You should also not open large deposits in one bank for yourself and close relatives. In the event of an insured event, you may be accused of allegedly wanting to deceive the DIA in this way.

It is also important to ensure that your deposit is actually opened and taken into account in the bank’s accounting department, and not taken off the balance sheet ( similar cases have already been), otherwise it will be difficult to prove the presence of a deposit.

The best interest rates on deposits in Moscow

When choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawal of money. Stops at deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If you think that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are time bank deposits for six months or a year. You can make a deposit for this period in order to get the highest rate, and then withdraw the money and deposit it again, perhaps in another bank in Moscow, which at that time will offer a more favorable interest rate.

Investment deposits in Moscow with maximum interest

Fighting for clients' money, banks have recently increasingly offered so-called investment deposits. According to their terms, the client, simultaneously with the registration of a bank deposit, acquires, for example, securities or transfers a certain amount to a mutual fund. The interest rate on such deposits is usually higher than on others. But before you are flattered by a big income, check whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or whether it is better to choose a less profitable way of investing money, but a more reliable one.

Profitable deposits in Moscow banks with increased interest rates

When choosing the most profitable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a premium to the interest rate.

In addition, deposits in Moscow banks for premium clients have an increased interest rate. Signing up for service packages with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions in your account; sometimes it is enough to purchase a platinum card, which can really be convenient for you.

In a word, if you want to invest a large amount, then compare what will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles in a reliable bank with state participation.

Find out more about the conditions and interest rates of today's best personal deposits in Moscow on official websites or at bank branches. The information is not a public offer.

Deposits help not only save money from inflation, but also plan your finances. Some deposit programs allow you to transfer accumulated interest monthly to a separate account: this way you can either start saving for a large-scale purchase.

There are many different banks operating in Moscow today, the programs of which are tailored to any needs of clients. We have compiled a rating of deposits with high interest rates, as well as favorable bonuses and conditions.

“My strategy” (Promsvyazbank)

Conditions:

• currency: rubles;
• highest rate: 8%;
• amount: from RUB 50,000;
• terms: from 181 days.

This is a special insurance deposit. It is beneficial to open it for participants in the investment life insurance program. This can be done from one of the bank’s three Moscow partners: LLC “MAX – Life” (program “Manage Capital”), LLC “VSK – Life Line” (program “Growth Line”) or LLC “SK Ingosstrakh – Life” (program “ Vector"). Pay attention to the amount of the insurance premium specified in the policy: it is the maximum deposit amount available to you.

Interest is transferred to the card individual at the end of the deposit period. Capitalization, account replenishment and partial withdrawal of funds are not provided. Early termination of the contract occurs at the rate on general terms. You can open a deposit at a bank office. There are 39 branches of Promsvyazbank in Moscow.

Terms and rates:

• from 50,000 to 999,999 rubles: 181, 367 days (7.85%);
• from 1,000,000 to 3,000,000 rubles: 181, 367 days (8%).

"Maximum Income" (Revival)

Conditions:

• currency: rubles / US dollars;
• highest rate: 7.6% / 2.1%;
• amount: from 50,000 rub. / from $1,500;
• terms: from 181 days.

This special insurance deposit is beneficial for individuals who have entered into an investment life insurance agreement with Bank Vozrozhdenie. If you refuse insurance within two weeks from the moment of signing the papers, the deposit will remain, but the interest rate will be reduced by 1% in rubles and by 0.5% in US dollars.

Interest is transferred to the client's card at the end of the contract. It is impossible to replenish or partially withdraw money. Early termination – on general terms (at the demand rate). You cannot open a deposit online. There are 5 representative offices of Bank Vozrozhdenie in Moscow.

Terms and rates for rubles:

• from 50,000 to 50,000,000 rubles: 181, 367 days (7.6%); 547 days (7.4%).

• from $1,500 to $170,000: 181 days (1.5%); 367 days (2%); 547 days (2.1%).

"Renaissance Profitable" (Renaissance Credit)

Conditions:

• highest rate: 7.5% / 1.5% / 0.5%;
• amount: from 30,000 rub. / from 500 $ / from 500 €;
• terms: from 91 days.

Interest, at the request of an individual, is transferred either to a current account or to any bank card. Replenishment or partial withdrawal of money is not provided. Early termination of the contract occurs on favorable preferential terms at the following rates: in rubles 91-180 days – 2.75%; 181-366 days – 3.75%; 367-399 days – 4%. In dollars 91-399 days – 0.15%. In euros – 0.1%. The maximum number of auto renewals is unlimited.

It is possible to open a deposit via the Internet. In this case, the minimum deposit amounts change to 5,000 for rubles and 100 for dollars and euros. There are 19 bank branches in Moscow.

Terms and rates for rubles:

• from RUB 30,000: 91 days (6.35%); 181 days (7%); 271 days (7.5%); 367 days (7%); 400 days (7.25%).

Terms and rates for US dollars:

• from $500 to $24,999: 91 days (0.35%); 181, 271 days (1.25%); 367, 400 days (1.5%);
• from $25,000: 91 days (0.6%); 181, 271 days (1.25%); 367, 400 days (1.5%).

Terms and rates for euro:

• from 500 to 24,999 €: 91,181, 271, 367, 400 days (0.25%);
• from 25,000 €: 91,181, 271, 367, 400 days (0.5%).

"Absolute Maximum +" (Absolut Bank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 7.5% / 2% / 0.5%;
• terms: from 91 days.

When opening a deposit, the bank issues a plastic card to the individual. VISA card. At the end of the contract, the accumulated funds are transferred to it. Account replenishment and partial withdrawals are not possible.

Conditions for early termination are preferential. If the money is in the bank’s circulation for less than 181 days, it is returned at the demand rate. More than 181 days - add 0.6% of the rate at which the contract was concluded.

When prolongations occur, there is a beneficial increase in the interest rate. From the first to the fifth renewal of a deposit in rubles, 0.25% is added to the current annual interest rate. A deposit can be opened through Internet banking or at one of the Absolut Bank offices in Moscow. There are 13 of them open in the capital.

Terms and rates for rubles:

• from 30,000 to 1,399,999 rubles: 91-180 days (6.5%); 181 days (7%); 182-271 days (6.8%); 272-366 days (6.9%); 367 days (7.05%); 368-721, 722-1080 days (6.4%);
• from RUB 1,400,000 to RUB 2,999,999: 91-180 days (6.6%); 181 days (7.1%); 182-271 days (6.9%); 272-366 days (7%); 367 days (7.15%); 368-721, 722-1080 days (6.5%);
• from RUB 3,000,000: 91-180 days (6.7%); 181 days (7.2%); 182-271 days (7%); 272-366 days (7.1%); 367 days (7.5%); 368-721, 722-1080 days (6.6%).

Terms and rates for US dollars:

• from $1,000 to $9,999: 91-180, 181 days (0.6%); 182-271 days (1%); 272-366 days (1.2%); 367 days (1.6%); 368-721, 722-1080 days (1.5%);
• from $10,000 to $34,999: 91-180, 181 days (0.6%); 182-271 days (1.2%); 272-366 days (1.4%); 367 days (1.8%); 368-721, 722-1080 days (1.7%);
• from $35,000: 91-180, 181 days (0.7%); 182-271 days (1.4%); 272-366 days (1.6%); 367 days (2%); 368-721, 722-1080 days (1.85%).

Terms and rates for euro:

• from 1,000 to 9,999 €: 91-180, 181 days (0.01%); 182-271 days (0.05%); 272-366 days (0.1%); 367 days (0.35%); 368-721 days (0.1%); 722-1080 days (0.05%);
• from 10,000 to 34,999 €: 91-180, 181 days (0.01%); 182-271 days (0.1%); 272-366 days (0.15%); 367 days (0.4%); 368-721 days (0.2%); 722-1080 days (0.1%);
• from 35,000 €: 91-180, 181 days (0.01%); 182-271 days (0.15%); 272-366 days (0.2%); 367 days (0.5%); 368-721 days (0.3%); 722-1080 days (0.15%).

"Classic" (Moscow Industrial Bank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 7.25% / 1.5% / 0.25%;
• amount: from 30,000 rub. / from 1,000 $ / from 1,000 €;
• terms: 365 days.

Interest is paid at the end of the term. Deposits and partial withdrawals are not provided. Early termination occurs at the demand rate. There is no auto-renewal.

When opening a deposit online, as well as for pensioners and veterans (must show identification), the maximum rate increases favorably by 0.25%. You can also use an ATM or go to a bank office. There are 28 of them open in Moscow.

Terms and rates for rubles:

• from 30,000 to 1,499,999 rubles: 365 days (7%);
• from RUB 1,500,000: 365 days (7.25%).

Terms and rates for US dollars:

• from $1,000: 365 days (1.5%).

Terms and rates for euro:

• from €1,000: 365 days (0.25%).

“Profitable year” (Home Credit Bank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 7% / 1.5% / 0.5%;
• terms: 365 days.

Interest is paid monthly or transferred to the account bank card, specified by an individual, or remain on the deposit balance and are capitalized, which will have a beneficial effect on further increases. Partial withdrawals are not allowed until the end of the contract term. It is allowed to replenish the account within the first 30 days from the date of the deposit. The minimum amount for a one-time top-up is 1,000 rubles, 100 US dollars or euros. Maximum – unlimited.

Early termination is possible only at the demand rate. The number of automatic renewals is unlimited. The deposit can be opened via Internet banking or in the office. There are 19 bank branches open in Moscow.

“Smart Deposit (with increased rate)” (Tinkoff Bank)

Conditions:

• currency: rubles / US dollars / euros / pounds sterling;
• highest rate: 7% / 1.5% / 0.4% / 0.4%;
• amount: from 50,000 to 30,000,000 rubles. / from 1,000 to 1,000,000 $/€/£;
• terms: from 91 days.

Along with signing the deposit agreement, the individual is given debit card Tinkoff Black. Interest is paid on it. They can be capitalized if desired. Mono-currency deposits can be advantageously transferred to multi-currency deposits without loss of interest. The conversion rate is set by Tinkoff Bank.

You can top up your account with any amount within 30 days from the date of opening the deposit. This will not increase the interest rate, even if the new “threshold” is passed. You can partially withdraw money no earlier than two months after opening the deposit (interest is automatically recalculated). It is permissible to withdraw at least 15,000 rubles or 500 dollars, euros and pounds sterling at a time.

Early termination of the contract occurs at the demand rate. Automatic renewal is carried out a maximum of 5 times. Since Tinkoff has only one representative office in Moscow, it will be faster and more convenient to sign an agreement using an online application on the bank’s website. A consultant will come to you with a package of documents. In addition, for operations with deposits in the Moscow office you will have to pay an additional 1,000 rubles.

Terms and rates for rubles:

• from 50,000 to 30,000,000 rubles: 3-5 months (5.5%); 6-11, 12 months (7%); 13-24 months (6%).

Terms and rates for US dollars:

• from $1,000 to $1,000,000: 3-5 months (0.2%); 6-11 months (1%); 12, 13-24 months (1.5%).

Terms and rates for euros and pounds sterling:

• from 1,000 to 1,000,000 €/£: 3-5, 6-11 months (0.2%); 12, 13-24 months (0.4%).

"All Inclusive Online" (Moscow Credit Bank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 7% / 1.6% / 0.7%;
• amount: from 1,000 rub. / from 100 $ / from 100 €;
• terms: from 95 days.

At the end of the contract, interest is transferred to the individual’s card. Replenishment and partial withdrawal of funds for this contribution are not provided. If you urgently need this service, the bank will provide the opportunity to change the tariff plan to “Savings” or “Settlement”.

After the necessary manipulations, it will be impossible to change the tariff plan again or return to the old one.

Terms and rates for rubles:

• from RUB 1,000: 95 days (6%); 185 days (6.5%); 370 days (7%).

Terms and rates for US dollars:

• from $100: 95 days (0.9%); 185 days (1.25%); 370 days (1.6%).

Terms and rates for euro:

• from 100 €: 95 days (0.16%); 185 days (0.35%); 370 days (0.7%).

“Maximum interest (at the end of the term)” (Promsvyazbank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 6.7% / 1.75% / 0.1%;
• amount: from 5,000,000 rub. / from 100,000 $ / from 100,000 €;
• terms: from 91 days / from 91 days / from 367 days.

For this type of deposit, only interest is withdrawn for the entire period of the agreement, however, the rates here are more profitable compared to similar ones, including monthly payments. It can be opened only if you have a valid agreement to connect to the Private Banking program, except for the Avantage program.

Bring in additional funds individuals are allowed within the first two months from the date of placing the deposit. Partial withdrawals are not provided. Early termination – at the demand rate. If the deposit remained among the bank’s assets for more than 183 days, interest is returned at a rate of 0.65 previously agreed upon per annum.

There are no automatic renewals. The deposit can be opened via Internet banking or at the Promsvyazbank office. 39 branches of the financial institution are open in Moscow.

Terms and rates for rubles:

• from RUB 5,000,000: 91 days (6.2%); 184 days (6.4%); 367, 547, 732, 1100 days (6.7%).

Terms and rates for US dollars:

• from $100,000: 91 days (0.8%); 184 days (1.4%); 367 days (1.75%); 547, 732, 1100 days (0.1%).

Terms and rates for euro:

• from 100,000 €: 367, 547, 732, 1100 days (0.1%).

“Your deposit” (Post Bank)

Conditions:

• currency: rubles;
• highest rate: 6.5%;
• amount: from RUB 50,000;
• terms: 367 days.

Interest is paid at the end of the contract term. You are allowed to top up your account within the first 10 days from the start of the deposit. Partial withdrawal is excluded. Early termination – at the demand rate.

If you open a deposit via Internet banking, 0.25% will be added to the maximum rate. The same bonus is given to pensioners who receive a pension into an account with the “Pension” and “Salary Pensioner” tariff plans. If you connect these tariffs already during the validity of the “Your Deposit” deposit, bonuses will not be added.

Terms and rates:

• from 50,000 to 4,999,999 rubles: 367 days (6.5%);
• from RUB 5,000,000: 367 days (5.5%);

"New Pension" (Moscow Regional Bank)

Conditions:

• currency: rubles / US dollars / euros;
• highest rate: 7.25% / 2.3% / 0.6%;
• amount: from 10,000 rub. / from 300 $ / from 300 €;
• terms: 366 days.

This is a good deposit for pensioners. Only individuals with a pension certificate can invest in it. The accumulated interest is either transferred to the client’s card monthly or left on the deposit account, which beneficially increases further payment amounts. Deposits and partial withdrawals are not provided.

Early termination occurs on preferential terms. They return from 1.05 to 3.55% in rubles, from 0.5 to 1.05% in dollars and from 0.15 to 0.45% per annum in euros. The maximum number of auto-renewals is unlimited. There are 8 bank branches in Moscow.

Terms and rates for rubles:

• from 10,000 to 9,999,999 rubles: 366 days (6.75%);
• from RUB 10,000,000 to RUB 49,999,999: 366 days (7.05%);
• from RUB 50,000,000: 366 days (7.25%).

Terms and rates for US dollars:

• from $300 to $999,999: 366 days (2.25%);
• from $1,000,000: 366 days (2.3%).

Terms and rates for euro:

• from 300 to 999,999 €: 366 days (0.5%);
• from €1,000,000: 366 days (0.6%).

“Save Online” (Sberbank of Russia)

Conditions:

• currency: rubles / US dollars;
• highest rate: 4.45% / 1.35%;
• amount: from 1,000 rub. / from 100 $;
• terms: from 30 days.

This year continues, issued before 1991. You can also sign up for a new deposit program. Interest on this deposit is either paid monthly to the specified account of the individual, or is capitalized. Deposits and partial withdrawals are not provided. At early termination of a deposit opened for more than six months, the client is returned 2/3 of his bet. Deposits opened for a shorter period are terminated at the demand rate.

The deposit is opened only using the Sberbank Online system. It can be accessed not only on the Internet, but also at ATMs. There are 1,374 SB RF ATMs operating in Moscow. This program- with the largest ones, so it’s really more profitable not to visit the office in order to make another deposit. The number of automatic renewals is unlimited.

Terms and rates for rubles:

• from 1,000 to 99,999 rubles: from 1 to 2 months. (3.8%); from 2 to 3 months. (3.95%); from 3 to 6 months. (4%); from 6 months up to 1 year (4.15%); from 1 to 2 years, from 2 to 3 years, 3 years (4.05%);
• from 100,000 to 399,999 rubles: from 1 to 2 months. (3.95%); from 2 to 3 months. (4.1%); from 3 to 6 months. (4.15%); from 6 months up to 1 year (4.3%); from 1 to 2 years, from 2 to 3 years, 3 years (4.2%);
• from 400,000 rubles: from 1 to 2 months. (4.1%); from 2 to 3 months. (4.25%); from 3 to 6 months. (4.3%); from 6 months up to 1 year (4.45%); from 1 to 2 years, from 2 to 3 years, 3 years (4.35%).

Terms and rates for US dollars:

• from 100 to 2,999 $: from 1 to 2 months, from 2 to 3 months. (0.1%); from 3 to 6 months. (0.3%); from 6 months up to 1 year (0.65%); from 1 to 2 years (1%); from 2 to 3 years (1.15%); 3 years (1.25%);
• from $3,000: from 1 to 2 months, from 2 to 3 months. (0.15%); from 3 to 6 months. (0.35%); from 6 months up to 1 year (0.7%); from 1 to 2 years (1.1%); from 2 to 3 years (1.25%); 3 years (1.35%).

Let's sum it up

Always read the terms of deposit carefully. Sometimes the interest is lower where additional services are included - and you will not need these services at all. In such cases, it is better to take a closer look at other, more profitable offers.

They are practically no different from Moscow ones. Opening a deposit for a minimum and maximum period is fraught with low profits in the first case and large risks in the second. Therefore, an average period of 100-180 days is optimal. Also, due to low returns, you should not invest amounts less than 100-200 thousand rubles or their currency equivalent.

DeloBank is a branch of SKB Bank operating online. It offers services for businesses. We will tell you in this article how to open a current account with DeloBank.

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