Deposits with monthly capitalization. The most profitable deposits with replenishment and capitalization. The best bank deposits with interest capitalization - what you need to consider

Each person is interested in multiplying the opportunities and material resources available to him. Deposits with and replenishment look quite a good option against the general background. What are they? What are the benefits? How are they attractive to the average citizen? We will talk about all this in the framework of this article.

general information

To begin with, let's find out what are deposits with interest capitalization and replenishment. This is the name of special savings programs, which provide that all interest earned on the basis of the concluded agreement is added to the amount of investments, and, starting from the next settlement month, a certain amount established by the conclusion is also charged on them.

Example

To understand better what deposits with interest capitalization and replenishment are, let's look at how everything happens in reality. So, let's say there is a person with savings of 100 thousand rubles. He decides to put them on a deposit. He is interested in deposits with interest capitalization and replenishment. Sberbank offers the best conditions, and it turns to this particular financial institution. An agreement is concluded on the registration of a deposit on the ninth day of a certain month at 12% per annum. Time has passed and interest starts to drip. In one month, an amount of one thousand rubles is accumulated. On the ninth, it is added to the 100,000 that make up the main body of the deposit. And already interest is accrued on 101 thousand rubles. That is, in the second month a person will receive not 1000, but 1010! The benefits of this approach are obvious. But are things really what they seem?

Hidden nuance

At first glance, the advantage of deposits with capitalization is obvious. After all, the amount on which interest will be charged is constantly increasing. Using the example considered earlier, you can see with your own eyes that the usual 12% and capitalization 12% are different things. True, this benefit can only be obtained theoretically. Where is the hidden nuance here, where is the catch? And the point here is that the proposed interest rate, as a rule, is much lower than that on the "run-in" funds. Therefore, capitalization often does not give the expected effect. If we take and calculate the profit received, it turns out that in the case of short terms, it is more pleasant to use deposits with payment at the end of the contract term or monthly. Moreover, the difference can reach significant amounts both in quantitative terms and in percentage terms. There is such a pitfall. And the calculation of the deposit with interest capitalization and replenishment allows you to find out if the deposit is really profitable, or, perhaps, other offers will be more interesting. But is it all that bad? Let's make another reversal and look at the existing problem from a different perspective.

Long term profitability

Let's say we have a spherical contributor in a vacuum who has a child. He decides to come of age. He has ten thousand rubles and two offers to choose from:

1. Open a deposit without the possibility of additional capitalization at 25 percent. At first glance, this is by far the most profitable option.
2. Open a deposit with capitalization at 15 percent. It may seem that this option is immediately eliminated.

Agree, many, without hesitation, will choose the first option, since it offers the best conditions. But at the time of adulthood, the second option will give a gain in quantitative terms a little less than twenty percent! Can you imagine? Almost one fifth of the benefits! Although, in fairness, it should be noted that the money received from the first option, for the most part, will have a large purchasing power, so both options should be carefully considered in order to decide which is still better.

Who is it for?

It should be noted that deposits with capitalization of funds are of interest not only for those people who save money for their child's majority (well, or a pension). The choice in favor of this approach is made by those people who cannot or do not want to receive interest every month. A separate complex solution is offered especially for them. It represents deposits with interest capitalization and replenishment and partial withdrawal of funds. Although this is certainly not the only one possible variant... After all, you can make a deposit so that all funds are automatically transferred to the savings card. Despite the existence of various opportunities, you should still take into account the profitability of the funds received.

Who to contact?

If you want to know what the options considered are in practice, you can pay attention to the largest financial institutions. Deposits of Sberbank with interest capitalization and replenishment, VTB 24, Alfa-Bank, as well as a number of other large service providers offer relatively small interest. In addition, much depends on additional conditions. So, if you conclude an agreement on a deposit, then you can expect to receive 5-8 percent of the profit per year. It should be noted here that in many respects the result depends on the situation. So, when a financial institution requires additional funds, then it increases the amount of interest paid. On the one hand, it is certainly beneficial. But on the other hand, it indicates the presence of certain problems. Therefore, although it is considered a relatively safe investment, it is still necessary to carefully consider whether you should trust your savings to a certain financial structure.

Conclusion

The peculiarity of people is that we ourselves can make decisions that will subsequently affect the standard of living. Although it cannot be said that deposits with monthly interest capitalization and replenishment are something that cannot be avoided, they can still have a positive impact on the future. So, let's say someone wants to open their own company. And this is a costly business for which money is needed. They can be obtained on credit, but hardly anyone wants to allocate large amount without security, and providing the only housing as collateral is not an option, because it remains to be seen whether everything will work out or not. Therefore, you can use the services of deposits to accumulate the required amount. It won't work out quickly, but if you deduct 3-5 thousand rubles every month, which is not very much by the standards Russian Federation, then in a few years enough money will accumulate in order to retrain as an entrepreneur. It is only necessary to act persistently and methodically, without stopping or giving up. And then everything will work out. Good luck!

Greetings! Today we will talk about bank deposits. An instrument that serious investors do not consider as an investment asset at all - because of its low profitability. But there are exceptions to any rule ...

So, deposits with capitalization and replenishment: why, where and how much?

The first thing that begins with drawing up any personal financial plan is not investments, but the formation of reserves! Because if you invest from scratch, you will most likely never reach your final goal. The investment fund will be constantly “washed out” by force majeure: urgent car repairs or a “hot” ticket to Turkey.

Unforeseen expenses should be covered by:

• Insurances
• Financial reserve in the amount of expenses for 3-6 months

Unfortunately, interest rates on foreign currency deposits in Russia are now about 1% per annum. Therefore, it is better to invest large amounts in dollars and euros in assets abroad - the same, and.

The choice of a bank should be taken responsibly. My advice: focus on the top 15 largest banks in Russia. In September 2016, this includes: Sberbank, VTB 24, Gazprombank, FC Otkrytie, Rosselkhozbank, Alfa-Bank, Moskovsky Credit bank, Promsvyazbank, UniCredit Bank, B&N Bank, Raiffeisenbank and Rosbank.

Why only giant banks? Because the probability of their bankruptcy is several times lower than that of small regional banks. It is clear that deposits of up to 1.4 million rubles are insured and will be paid through the DIA. But you still have to spend a lot of effort, nerves and time for this. And the difference of 1-3% per annum (especially for small amounts) I do not think is so significant ...

In addition, large banks can offer a bunch of convenient additional services. And they also have much more branches, terminals, ATMs: both in Moscow and in other cities of Russia.

Current deposits with replenishment and capitalization

So you still decided to listen to my advice and open a deposit in a bank to create a financial reserve. What plans can you recommend?

B&N Bank "Monthly Income"

You can open a deposit in the amount of 10,000 rubles for a period from three months to two years. The rate varies from 6.4% to 8.4% per annum. Acceptance of additional deposits stops 30 days before the end date of the deposit.

A deposit can also be opened in dollars or euros (from 300 USD). True, the profitability of deposits in foreign currency will be symbolic: up to 1.95% and up to 1%, respectively.

If the "Monthly Income" is opened through the B & NBANK-online system, the rate increases by 0.5%. There is a bonus for pensioners: + 0.15% to the base rate.

• Feature

One of the most high rates among large banks.

Rosselkhozbank

The "Accumulative" deposit can be opened for an amount of 3000 rubles or 100 dollars / euro. It is allowed to replenish the deposit for the same amount at any time, but no later than 30 days before the end of the deposit term.

The yield in rubles is 6.40-7.25%, in dollars - 0.15-1.45%, in euros - 0.01-0.50% per annum. But if you open a deposit remotely, the interest rate will be slightly higher.

• Feature

Free card with the tariff plan "Amur Tiger - card for deposit" (if the deposit amount is more than 50,000 rubles).

Alfa Bank

Here the piggy bank with capitalization and without the right of partial withdrawal is called "Premier". The minimum entry fee is 10,000 rubles with a top-up of 5,000 rubles. You can open Premier for a period of three months to one year. As in other banks, the yield at Alfa-Bank depends on the amount and term of the deposit: from 5.8% to 7.2% per annum.

At symbolic interest (up to 1.5% per annum), "Premier" can be opened in dollars and euros.

• Feature

You can connect convenient services of automatic accumulation.

Sberbank of Russia

In Sberbank, the "piggy bank" is called "Replenish". You can make a deposit in the amount of 1000 rubles with replenishment from the same thousand. The term of the deposit is selected in the range from three months to three years. By the way, cashless replenishment is not limited in amount at all (through the Internet bank, you can transfer one hundred or ten rubles to the deposit account).

Taking into account the capitalization of interest, the "Top up" yield will be 5.68-6.5% per annum. In foreign currency the maximum rate is 1.15% in dollars and 0.20% in euros.

When making a deposit through the Sberbank Online Internet bank, the yield will be higher by a couple of tenths of a percent.

• Feature

The most affordable minimum amount on the market for opening a deposit.

And in which bank do you have a deposit? Subscribe to updates and share links to fresh posts with your friends on social networks!

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It is worth considering that long-term investments are usually more profitable. Deposits with capitalization and the possibility of replenishment, as a rule, are the most.

Let's say that the initial amount is not enough to buy something. Then you need replenishment to save up for it. A certain part of the funds can be added to the initial amount from the salary. The amount will also grow, if you do not withdraw the interest on the deposit, they will be added to the principal amount, and the accruals will go for the total amount. Also, when choosing a deposit, you should pay attention to the frequency of capitalization of interest.

In this article:

Capitalization types

Accrued deposits are charged in different ways.

Capitalization is divided into three types, these are:

• Monthly interest accrual (most profitable).
• Quarterly accrual.
• Accrual of payments at the end of the term (least profitable).

For banks, the latter type of capitalization is preferable, since money can be used throughout the entire time.

Do you use your deposit to save money?

I useDo not use

If desired, the depositor can transfer the savings received from the account to a special account and use this money as passive income. For example, if you have deposited one million rubles, the amount of passive income, at a rate of 10% per annum, will be 10 thousand rubles per month. Funds from the special account can be withdrawn at any time.

Deposits with the highest interest rates

To date, the following deposits are considered the products with the highest interest rates:

• “Fidelity to Traditions” from Alef Bank.
• "Premium Rentier" from Transcapitalbank.
• "My Capital" from Finam Bank.
• Savings from Metallinvestbank.
• "Privilege" from Expobank.
• "Good Deed" from AyManiBank.
• "Happy Coin" from Ecoprombank and a number of others.

"Fidelity to tradition" from Alef Bank

The bank offers a rate of 11% per annum on a deposit in rubles. You can put an amount from 50 thousand to a million per year.

If you place funds in foreign currency, the interest rate will range from 4.3 to 5 percent for the dollar and from 3.3 to 4 percent for the Euro. Interest is calculated monthly. Replenishment is possible. If necessary, you can withdraw part of the funds ahead of schedule, but at the same time the account must have a minimum balance. In this case, there will be no loss of interest.

"Premium Rentier" from Transcapitalbank

The deposit rate ranges from 8.85 to 9.5 percent in rubles. The amount of the deposit is 50 million rubles or a million dollars or euros. The percentage is 0.75-1.9 and 0.5 to 1.65 percent for dollars and euros, respectively. Funds are placed for 183-370 days.

Reliable deposits in VTB-24

You probably shouldn't take risks when placing funds on a deposit, contacting a bank unfamiliar to you. It is much safer to contact a trusted partner, although, of course, each of us decides this issue for himself. As a rule, the higher the interest on the deposit in the bank, the higher the risks for this product. Large reliable banks have also developed a number of interesting offers for their clients. You can rest assured for your savings deposited here "

Popular deposit "Profitable"

There are currently no active options for Sberbank deposits with capitalization. But the bank offers a wide range of deposits on various terms. You can apply for a deposit online or contact a bank branch.

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For example, a popular deposit called "Profitable".

It can be made both in and in foreign currency:

• In rubles maximum amount investment is equal to one and a half million. Money can be deposited for a period of three months at 7.4%. Interest on the deposit can either be withdrawn monthly, or left on an account where they will be capitalized.
• The size of the deposit in US dollars is limited to fifty thousand, it can be made for a period of at least two years at 1.6%. If you intend to deposit money in the bank in Euro, the savings rate is 0.01%. Funds are accepted for a period of at least three months, the amount is not more than three thousand euros.

Partial withdrawal and replenishment of this deposit is not possible.

Deposits, where the entire amount is withdrawn at the end of the term, are convenient precisely as savings. However, for someone an important advantage is not only the capitalization of interest, but also the ability to replenish the deposit.

Replenishing deposit "Cumulative Online"

If you want to accumulate a certain amount, the opportunity to replenish yours, for example, after your salary, will certainly be important for you. Such a deposit at VTB-24 is called Accumulative Online. The interest you get on it is 7.1%. An amount of one hundred thousand rubles and more is accepted on the deposit. For a period of three months or more.

In all the variety of ways to use free funds, bank deposits are one of the most profitable options. Since they allow you to receive income in the form of interest paid, and at the same time do not require any serious effort from the client, an increasing number of people choose them. The most important thing to do is find a suitable deposit program. For example, deposits with capitalization in Moscow are one of the most profitable types of deposits. It can bring you a very good income even without the highest deposit interest rate in Moscow.

Calculator of deposits with capitalization in Moscow

Despite a long agreement with a lot of conditions, almost every one of us is looking for a program option that will allow opening a deposit at a high interest rate in Moscow, and practically does not pay attention to other conditions. Meanwhile, such an important deposit parameter as the capitalization of interest on a deposit account in Moscow has a huge impact on the level of income that can be obtained.

A deposit with interest capitalization in Moscow differs from the classic type of deposit in the following parameters:

• in a classic deposit, interest is calculated based on the original amount that you placed on the deposit;
• a deposit with capitalization of interest in Barnaul implies the addition of accrued interest to the "body" of the deposit, and the subsequent calculation of interest based on this increased amount.

Obviously, even without taking into account the rates on deposits with capitalization, in this way you can get a much higher income than on deposits without capitalization. And if we consider a deposit with replenishment and capitalization in Moscow, when you can independently increase the “body” of the deposit even more, then this is an even more profitable option.

There is only one important nuance by interest of this type of deposit: without a detailed calculation of a deposit with capitalization in Moscow, do not rush to immediately choose a deposit program only upon the availability of such an opportunity. Without taking into account all the important parameters and values, you can miscalculate and face uncomfortable conditions for yourself.

It is quite difficult to independently make such a calculation and choose the best deposits with capitalization, so use the calculator of deposits with capitalization in Moscow, which you will find on this page:

1. Enter the initial conditions.
2. Click on the search button.
3. The system will select for you a complete list of suitable options with a description of the conditions for each.

After that, you can quickly study all the necessary information and make an informed decision on opening a deposit in Moscow.

Where is the best place to open a deposit with capitalization in Moscow?

Finding where the best deposit with interest capitalization is. Will not be difficult: many banks (Sberbank, VTB, Russian Standard, etc.) work with this type of programs in 2020, so there is plenty to choose from.

The main criteria for a successful choice are:

• high interest rate;
• acceptable conditions for closing, partial withdrawal and replenishment of the deposit;
• bank reliability.

Choosing a deposit with interest capitalization at the end of each month, the depositor gets the opportunity to conclude an agreement with the bank at the most favorable terms... The amount of savings will grow monthly, increasing on the last business day of the calendar period. And the replenishment option will allow you to increase the amount of the deposit at the initial stage. Due to the stable growth of savings, the owner money will be able to receive increased income during the validity period of the bank agreement.

Points to consider when opening a deposit

Savings currency

The most beneficial are. Multicurrency programs can also bring capital owners a good income, however, systematic fluctuations in rates complicate the process of making the right decision. The choice in favor of such a deposit will be justified only if the depositor is well versed in financial mechanisms and knows how to monitor the situation on the foreign currency market.

Bank reputation

Making a choice financial institution to conclude a deal, you should give preference to deposit programs of well-known banks included in the TOP-15 or TOP-20. Reliability of large financial companies confirmed by data rating agencies... As a rule, giant banks close much less often than regional institutions, although little-known credit institutions have quite interesting deposit products.

Availability of payments through the DIA

Thanks to the cooperation of banks with the Deposit Insurance Agency, all individuals - owners of deposit accounts in case of bankruptcy of the company will be able to return their funds in the amount of up to 1 mln. 400 thousand rubles. Make sure that the selected credit institution is included in the Register of DIA Participants. Financial investments legal entities they do not fall under the terms of this program and are not subject to reimbursement upon liquidation of the bank.

Lack of "pitfalls"

The profitability of the deposit will be much lower than stated in the program if the terms of the deposit account agreement provide for various commissions, for example, for early withdrawal of funds upon termination of the transaction, for opening a savings bank account and paperwork, as well as for connecting SMS information and partial withdrawal of deposit savings.

Let's try to find out which deposits with interest capitalization and replenishment deserve the most attention today.

The most promising deposits for individuals

Despite the difficult financial situation in the country, new deposit programs with replenishment and capitalization options are systematically appearing on the banking market, which are in demand among private clients. The presented list includes deposits for the population offered by the largest Russian banks.

Profitable deposits for private individuals with interest capitalization and replenishment, in rubles

The deposit programs in the table are ranked in accordance with the annual interest income that clients will be able to receive by placing their free funds on the accounts of selected banks. The selection was attended by credit institutionsin the TOP-20 according to the rating of the banki.ru website.

The maximum interest rates are guaranteed to the clients of B & NBANK. The promised annual profit on deposits of other financial companies is 1-2 points lower. The top ten leaders are closed by PJSC ROSBANK and PJSC Sberbank. How to calculate the estimated profitability of a deposit, taking into account replenishment and capitalization? It is very difficult to do this on your own, so it is worth using calculators that are available to visitors to the official websites of banks remotely.

Keep in mind: the amount of savings calculated using one of the special services will be approximate, since in order to obtain accurate values, reliable information is needed on the specific terms and volumes of replenishment of the account.

The most interesting deposit programs for individual entrepreneurs and legal entities

Deposit transactions will bring maximum benefit to those corporate clients who have the opportunity to withdraw a fairly large amount from circulation without prejudice to the activities of the enterprise. Deposits of legal entities, in contrast to deposits for the population, are made out on individual terms. When choosing a financial institution, consider that:

• the deal could be very short term, for example, for 3-7 days;
• some banks refuse to cooperate with unfamiliar corporate clients - legal entities and entrepreneurs who have entered into settlement agreements with other financial institutions;
• interest rates on business deposits indicated on the official websites of banks are quite often not typical and are approved for each client individually, taking into account such parameters as the expected volume of investments, the term for placing funds and the legal entity's belonging to a certain category (VIP status ).

Despite the huge, today it is quite difficult to find the right one with the simultaneous capitalization of interest and replenishment. The most interesting terms are contained in programs for business owners developed by regional banks. Large financial institutions in most cases offer corporate clients deposits with one of the options under consideration - either with replenishment or capitalization of interest income. A suitable option was not found even among the deposit programs of the country's largest financial institution - Sberbank PJSC.

Deposit "Sberplan" from PJSC CB "Vostochny"

Thanks to the flexible terms of the deposit agreement, the owners of corporate capital will be able to use the company's working capital as efficiently as possible. This banking program is designed for both replenishment and partial withdrawal of funds without losing previously accrued income.

The minimum amount of the initial deposit on the deposit is 50,000 rubles. Interest income, calculated monthly at a fixed rate, can be used at the discretion of the owner of the capital - added to the principal amount or paid at the end of the reporting period. The minimum term of the deposit agreement is 91 days.

Deposit "Business Etalon" from PJSC "ROSBANK"

The program is designed for legal entities and entrepreneurs with an annual revenue of no more than 400 million rubles. Minimum size investments is 100 thousand rubles, the maximum possible amount of savings is 300 million rubles. The deposit is opened for a period of 1 year and 1 day. Interest is accrued and paid every month. Deposit funds can be used up to the minimum amount. The deal can be canceled at any time without loss of interest income.