Profitable quick deposit. Which bank has the most favorable conditions for deposits and a high percentage of the deposit. Primsotsbank offers to issue a New Year's deposit or a New Year's loan

When a person accumulates a certain amount of money, he thinks that it is more practical to keep it away from home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide on the bank. Well, it is worth briefly talking about the services of the most popular financial institutions in Russia.

Sberbank

Many people decide in the most reliable and trusted organization. In any case, Sberbank is considered to be such. Here, potential customers are waiting for several profitable offers. You can make an anniversary contribution called "The Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. As a gift to the client there is an insurance program.

There is also a "Save" tab. It can be opened for a minimum of a month and a maximum of 3 years. Annual rate - up to 6.49%.

There are also deposits "Replenish", "Manage", "Give life", "Multi-currency", "International" and "Savings". It is worth talking about the latter in more detail, since it is the most popular, since it is perpetual, and also replenishable, with unlimited withdrawals and any minimum amount. The rate can vary from 1.5 to 2.3%.

Suppose a person decides to open a deposit in Sberbank for a year and immediately deposited a million rubles into the account. Every month he replenishes it with another 20,000 rubles. As a result, for the year he will accumulate 1,262,200 rubles, of which 22,209 is net income. True, with the same "Replenish" you will earn more. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.

VTB 24

Many people decide to open a deposit in this bank. There are plenty of offers too. But the best is Profitable with a maximum rate of 8.55%. With an initial contribution of 1,000,000 rubles, the income will be slightly less than 80,000 rubles. By the way, interest can either be left on or transferred to the card. It's as the client wants. Another good thing about VTB-24 is that it provides automatic extension of the deposit and preferential terms for early termination.

But Profitable is bad because the account cannot be replenished. Therefore, it is convenient for people with a solid income who can open a deposit for a large amount. But “Comfortable” and “Cumulative” are replenished tariffs. If you report 20 thousand rubles a month, then at the end the profit will be 62 and 78 thousand rubles, respectively.

Rosselkhozbank

This is another popular financial institution. Many decide to open a deposit in rubles here. One of the most popular offers is the Classic tariff. The minimum deposit amount is 3,000 rubles. It is not replenishable, but the maximum rate is 8.55%. By the way, you can open a deposit for a period of 31 to 1460 days. If you make a deposit for the maximum period and deposit an amount of one million rubles, then the total profit will be slightly less than 335,000 rubles. But this is too long for many. However, even if you make a deposit for 395 days, then in the end the profit will be 86,000.

The Amur Tiger tariff with a maximum rate of up to 8.1% is also popular. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid every month and at the end of the term is credited to the debit card issued to the client after the deposit was made. It can be used to pay for utilities, mobile communications, purchases in online stores. And a person, making transactions with this card, helps to protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Preservation of These Rare Animals.

OTP

It is impossible not to pay attention to this organization, talking about which bank to open a deposit in the most profitable way. OTP has several suggestions. The "Maximum" tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30,000 rubles, replenishment and withdrawal is not possible. For the "Cumulative" tariff, the interest is 7.6%, for the "Pension" - 7.4%, and for the "Flexible" - 6.7%. There is also a rate of 6.5%.

Well, you can give an example of potential profit indicators. If a person has invested a million rubles and every month replenished the account by 20,000, then at the end of the year he will have 73,200 rubles on Accumulative. This is net income. In the case of the "Pension" the amount will be about 83,000. And according to the "Flexible" tariff at the end of the term, it will be possible to gain 74 thousand rubles. "Maximum" is suitable for people with a large income, since replenishment in its case is not provided.

Gazprombank

A certain part of Russians decides to open a deposit at interest in this organization. Gazprombank has five offers. All of them relate to basic deposits. The first option is "Promising" with a maximum rate of 8.2%. The term can be from three months to 3 years. Replenishment is not provided.

There is also "Accumulative". The rate is less than 8%, but you can replenish your account, as in the case of the "Dynamic" tariff, the maximum rate of which is 7.9%, but partial withdrawal is still available. There is also a Rentier tariff (6.7%).

The most common option is "Cumulative". Having invested a million, at the end of the year it will turn out to bail out about 74,000 rubles. But if you use the "Promising" tariff, opening a deposit for three years, then in the end you will be able to earn about 210,000 on interest.

Alfa Bank

Finally, let's say a few words about this organization. Someone decides to open a deposit in Sberbank, while others are more impressed by Alfa.

The first offer is the A+ tariff. The rate will be 7.3%. Having invested a million, at the end of the year it will turn out to bail out about 75,000. A similar tariff is called "Victory". Only in this case, the rate is 7.87%, and the total profit, respectively, is about 79 thousand rubles. The deposit, by the way, can be opened for a period of three months to 750 days.

There is also a Life Line tariff. The Bank transfers part of the income received from clients to the fund of the same name, which forms a culture of charity in society and financially helps children with serious illnesses. In addition to the above, customers are offered deposits "Potential", "Premium" and "Premier".

In general, as you can see, all banks have quite favorable conditions. In any case, a person will receive a profit, and how large it will be depends on the amount of his contribution and the selected tariff. Before you go to a particular financial institution, it is better to familiarize yourself with all the popular offers and calculate the possible income from interest.

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of the effective ways to increase the amount of savings are deposits. Many banking organizations offer to open them, of course, on different conditions. How to choose profitable deposits for yourself, we will discuss today.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement on placing money in rubles or another currency in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP-20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

We also immediately note important information: all data relating to interest rates and opening conditions are obtained from the official websites of banking organizations. It can change, be supplemented, this is the prerogative of banks.

Tinkoff bank

Minimum deposit- 50,000 rubles;
Minimum placement period- 3 months;
Maximum placement period– 24 months;
Minimum % rate – 5,5%
Maximum % rate – 8,8%;
Accrual %- on a deposit or, at the request of the client, on a card;
Replenishment– regardless of time, via the Internet;
Removal in parts- whatever time suits you.

Summary: convenience of opening, the ability to withdraw and replenish the account at any time, quite a lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner of a bank debit card. It is also possible to open a deposit in different currencies.

Minimum deposit- 1 ruble (depending on the type of deposit being opened);
Minimum placement period– 30 days (“Save” deposit);
Maximum placement period– 36 months;
Minimum % rate – 3%;
Maximum % rate – 7%;
Accrual of % - occurs depending on the type of deposit;
Replenishment - Maybe;
Removal in parts– is allowed.

Summary: the bank is certainly reliable, stable, supported by the state. Participates in the deposit insurance system, you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB 24

Minimum deposit- 200,000 rubles;
Minimum placement period- 90 days;
Maximum placement period– 60 months;
Minimum % rate – 4,10%;
Maximum % rate – 7,4%;
Accrual of % - every month;
Replenishment - Maybe;
Removal in parts– possible (Comfortable tab).

Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be considered a negative side. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

Minimum deposit- 10 rubles (deposit "On Demand");
Minimum placement period– depends on the type of deposit;
Maximum placement period– depends on the type of deposit;
Minimum % rate – 0,01%
Maximum % rate- 8.75% (deposit "Investment");
Accrual of % - every month;
Replenishment - yes, on deposits "Managed", "Cumulative", "Pension income"
Removal in parts– yes, on deposits “On Demand” and “Managed”.

Summary: the amount of the down payment is available to everyone, there are no restrictions on the terms of the deposit.

Minimum deposit- 1000 rubles;
Minimum placement period- 3 months;
Maximum placement period- 2 years;
Minimum % rate – 7,25%
Maximum % rate – 9,0%
Accrual of % - at your choice (every month or capitalization);
Replenishment - Maybe;
Removal in parts- not for all types of deposits.

Summary: not all deposits are available for replenishment, cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

Minimum deposit- 100 rubles (on the "Pension" deposit);
Minimum placement period- 90 days;
Maximum placement period-1095 days;
Minimum % rate - 0.01% (on demand deposit)
Maximum % rate- 7.8% (on the "Vacation" deposit);
Accrual of % - at the end of the term;
Replenishment - Yes;
Partial removal - only on the "Dynamic" deposit.

Summary: a bank participating in the deposit insurance system, there is the possibility of personal counseling.

Minimum deposit – 10,000 rubles;
Minimum placement period – 3 months;
2 years;
Minimum % rate – 6,5%;
Maximum % rate – 7,35%;
Accrual % – daily, monthly;
Replenishment - yes, it is possible;
Removal in parts – yes, it is possible.

Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, a relatively small minimum contribution.

Bank opening

Minimum deposit – 50,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – 2 years;
Minimum % rate – depends on the type of deposit;
Maximum % rate – 8%;
Accrual % – 1 time per month (capitalization available);
Replenishment - Maybe;
Partial removal - perhaps on the Free Governance deposit.

Summary: there is an opportunity to replenish the deposit amount, online opening is available.

Alfa Bank

Minimum deposit – 10,000 rubles;
Minimum placement period – 3 months;
Maximum placement period - more than 3 years;
Minimum % rate – 4,5%;
Maximum % rate – 7.2% on the Pobeda + deposit;
Accrual % – every month;
Replenishment - Yes;
Partial removal - Yes.

Summary: there is the possibility of earning a serious income, but for this you need to make a large amount of the minimum contribution, up to 3 million rubles.

Minimum deposit – 30,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 36 months;
Minimum % rate – 5%;
Maximum % rate – 8,5%;
Accrual % – every month;
Replenishment - yes, according to the “Always at hand” deposit;
Removal in parts – Maybe.

Summary: it is possible to make a minimum contribution in several payments, there is the possibility of monthly replenishment.

Minimum deposit- 10,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,0%;
Maximum % rate – 9%;
Accrual % – at the end of the contract;
Replenishment - Yes;
Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

Minimum deposit – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 4 years;
Minimum % rate – 5% (on deposits in gold and silver);
Maximum % rate – 9%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – available.

Summary: a small amount of the first installment, the choice of deposits is wide.

Minimum deposit – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 7,4%;
Maximum % rate – 8,3%;
Accrual % - 1 time per month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: the bank raises the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also, the percentage will be higher if you are a salary client or a pensioner.

Minimum deposit – 10,000 rubles;
Minimum placement period – 366 days;
Maximum placement period – 366 days;
Minimum % rate – 6,3%;
Maximum % rate – 8,10%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive% every month.

Minimum deposit – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 36 months;
Minimum % rate - 7,0%;
Maximum % rate – 8.22% (if you deposit 3 million rubles);
Accrual % – 1 time per month or at the end of the term;
Replenishment - Yes;
Removal in parts – No.

Summary: opening is available in rubles and in foreign currency, you cannot partially withdraw money, but at the same time you can replenish the entire line.

Minimum deposit – 5000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 1 year;
Minimum % rate – 7,5%;
Maximum % rate – 8.25% ("Capital");
Accrual % – every month, every quarter;
Replenishment - Yes;
Removal in parts – Yes.

Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.

Minimum deposit – 5000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,5%;
Maximum % rate – 8,6%;
Accrual % – daily (if the deposit "On Demand" is opened);
Replenishment - Yes;
Removal in parts – Yes.

Summary: you can replenish open deposits and withdraw part of the funds.

Bank "Ugra

Minimum deposit – 100 rubles;
Minimum placement period – 61 days (according to the "Special client" deposit)
Maximum placement period – 36 months;
Minimum % rate – 6%;
Maximum % rate – 10%;
Accrual % – 1 time per month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: deposits can be replenished and withdrawn in parts, initially you can deposit a small amount.

Bank Uralsib

Minimum deposit – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 6,1%;
Maximum % rate – 9,0%;
Accrual % – every month;
Replenishment - Yes;
Removal in parts – Yes.

Summary: banking institution offers a wide range of deposits, there are plenty to choose from.

Minimum deposit – 30,000 rubles;
Minimum placement period – 91 days;
Maximum placement period – 720 days;
Minimum % rate – 6,5;
Maximum % rate – 8,5%;
Accrual % – every quarter, at the end of the term;
Replenishment - permissible;
Removal in parts – Yes.

Summary: the bank offers a fairly wide choice, when opening in the Internet bank, the percentage is slightly higher.

Comparative table for all banks

banking institution	Deposit maximum	Fee for opening	Possibility of withdrawal/replenishment
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz Bank	9%	10 000 rubles	Yes Yes
Tinkoff bank	8,8%	50 000 rubles	Yes Yes
8,7%	10 rubles	Yes Yes
8,6%	5000 rubles	Yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	Yes Yes
8,3%	1000 rubles	Yes Yes
8,25%	5000 rubles	Yes Yes
Home credit bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	Yes Yes
Bank opening	8%	50 000 rubles	Yes Yes
7,8%	100 rubles	Yes Yes
VTB 24	7,4%	200 000 rubles	Yes Yes
7,3%	10 000 rubles	Yes Yes
Alfa Bank	7,2%	10 000 rubles	Yes Yes
7,0%	1 ruble	Yes Yes

In the next part of our conversation, we will consider how to properly compare contributions.

How to compare different deposits

It is clear that the most important indicator for comparison, most people consider the interest rate. But no less important are the indicators that we have already considered in the table above: the ability to withdraw money and replenish the account.

The level of income that you receive on a deposit depends primarily on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Interest rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that at present, opening deposits without visiting a bank office, online or through an ATM, is becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – actually below.

There is one more criterion for comparison: the size of the minimum and maximum contributions. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with debit transactions. In simple terms, this means that if you withdraw funds partially, this amount must remain in the account.

You cannot withdraw more than this amount, you will lose everything that was accrued. This is especially important for investors who have small amounts of funds, invest them in order to withdraw the maximum at any time.

Purposes of deposit placement

It would seem that nothing complicated: you open a deposit so as not to lose money, save it, and also increase its amount. But there are a number of other goals as well. Let's talk about them.

1. Earn.

Don't be surprised, it's entirely possible. Often, banking organizations hold promotions of a different nature. If circumstances go well, you can get additional income.

2. Get benefits.

Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, preferential terms for mortgage lending will apply. Imagine, there are not so few who want to.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose almost any type of contribution - all of them will help with this. Keeping money in a box at home is not the best option, sooner or later inflation will eat it up, and no one is safe from thieves.

4. Save up for a big purchase.

We all know that there are people who do not have money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but there is none.

In this case, a bank deposit comes to the rescue. And it is better such that it was impossible to withdraw money ahead of schedule. Then it will work.

And now let's talk in more detail about what deposits generally exist and how they are classified.

What are the contributions

In order to attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more new ones. We will now consider the most popular types of deposits for us - ordinary people.

All contributions can be divided into 2 categories: urgent And poste restante. Term deposits are opened for a certain time, demand deposits do not have a specific period.

Savings.

It should be noted that the highest rates are for this group. In addition, such deposits are not always allowed to withdraw money, as well as deposit funds into the account.

Estimated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. Another such contribution is called universal.

Cumulative.

Provided for such clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to open to certain groups of clients. This includes contributions for students, pensioners and so on.

By seasons.

Dedicated to some time of the year. They often have quite high rates, but there is no rollover option.

Mortgage.

Designed for those who want to independently save up for a down payment on a mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be directed to pay the mortgage fee. Now in the Russian Federation such a deposit is not found in all banking institutions.

indexed.

This deposit belongs to the term term category and is tied to a change in the value of an asset. The asset can be the dollar, securities, precious metals, and so on.

Multicurrency.

The meaning of such a deposit is that the funds are stored in various currencies: most often these are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. Commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.

Baby.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds into it only in cash. When opening such a deposit, the client can count on the complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid to lose it will take a decent amount of time.

To make this task a little easier, here are a few tips:

Don't ignore other people's feedback. Familiarize yourself with them, it will definitely not be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
Examine the information in the media for publications about the bank in a negative way.
When visiting a bank, check how interest rates work on deposits: if they are too high, this is a reason to be wary;
You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language, you do not need to be an expert in the field of economics to understand the topic;
Find out if the bank has branches and branches;
An important selection criterion is the bank's participation in the state deposit insurance system. This information is freely available on the Internet, it will not be a problem to find it.
On the official website of the Central Bank of the Russian Federation, you can view information related to the reporting of banking organizations. Here the only negative is that it is difficult for an ordinary person to understand it, the help of a specialist is required.
An important indicator is the amount.
You can ask about the ratings of the bank, they are published by special agencies. Of course, it is difficult to keep track of them, but it is quite possible to use as additional information.
An indirect sign that the bank is not doing well is frequent failures in the implementation of various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential depositor to adequately assess the reliability of the chosen banking organization.

Mistakes, by the way, are allowed the most banal:

Choosing the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If your goal is only this, you are better off using another financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
Excessive trust in bank specialists. Even if the employee speaks convincingly and beautifully, his words must be confirmed by something. Stable and reliable institutions provide clients with all publicly available information.
Opening a deposit in a servicing banking organization. Often, depositors trust their funds to the bank where they receive a salary or other types of permanent payments. This is convenient, but you do not need to carry all the money to one institution, it is better to distribute it over several.
Following untested recommendations. The experience of your friends and relatives is important, but you should not blindly follow it. They are based most often on the opinion of a particular person, and not on the actual state of affairs.

Summing up a little, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.

State deposit insurance

Thanks to the introduction of this system, a person can return his money, even if the bank is recognized or his license has been revoked.

In 2017, deposits up to RUB 1,400,000 were insured. If you have deposits in several banks and all these credit organizations have gone bankrupt, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the exchange rate that is valid on the date of revocation of the license from the bank. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without voicing a reason, may refuse to open a deposit to a client.

This happens infrequently, and the reasons may be of the following nature:

Client under 14 years of age;
The client does not have the opportunity to present a passport or other document that will prove his identity;
A citizen of another state wants to open a deposit, who cannot confirm his right to be in the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for their safety. We propose to analyze the lines of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

personal income tax and deposits of individuals

Most of the deposit programs do not require payment. The tax will be charged only if the level of income exceeds the established by law. But this year, banking organizations have lowered deposit rates due to the fact that insurance rates have risen. So, a high level of profitability is not to be expected.

You may ask: do you have to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course, make the payment. But if within 3 years you have not been notified about this, you can not pay.

Deposit interest: how to calculate

To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of a banking organization. Before you trust your hard-earned money to the bank, try calculating the interest yourself. It may seem complicated to you, but we will try to explain how to do it in the simplest possible way.

First of all, you should not completely trust the calculation of the deposit calculator.

They will not show real results, because:

Their functionality is meager, the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
Calculate everything before you decide on the bank and type of deposit. This is necessary for evaluating and comparing different offers.
If you have any questions, please contact the bank consultants, they will clarify all the necessary points.

And now let's go directly to the terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

Under the concept of% on the deposit understand the amount that the bank pays to its client for the use of his money.

The rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.

If we are talking about a simple method of accruing%, then they are not added to the deposit amount, but are transferred to the depositor's open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has grown, which means that the total profitability is also growing.

Formulas

We calculate interest in the case of simple accrual:

S = (P x I x t / K) / 100, Where:

S - accrued%;
P is the amount you deposit;
I - deposit rate for the year;
t - number of days for which % will be calculated;
K - number of days per year (do not forget about leap years).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. Calculation of % is simple. After the end of the deposit period, O.'s income will be: (200,000 * 9.5 * 365 / 365) / 100 \u003d 19,000 rubles.

If complex interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, Where:

S - accrued%;
P - the amount you deposited;
I - % on the deposit for the year;
j is the number of days in the billing period;
K is the number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the expiration of the deposit period, O.'s income will be: (200,000 * 9.5 * 180 / 365) / 100 \u003d 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

Under the current economic conditions, depositors prefer to keep some of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.

In addition, there is one more subtlety: the DIA starts insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What are the risks for investors

This is an important question that cannot be left unanswered. After all, everyone knows very well that any medal has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss the possible risks.

The most common are the following:

The banking organization has been declared bankrupt;
Payment of personal income tax;
Increase in rates for deposits opened for a long time;
Liquidity risk;
Reinvestment risks.

And now a little more.

The bank has been declared bankrupt.

To somewhat reduce the possibility of such a situation, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return the money to you.

Payment of VAT.

This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum, for a period of 36 months, and a year later the rate has become 12%, you lose 3% of income.

Liquidity.

Such a risk arises if you terminate the term deposit agreement ahead of time. It is better to open a deposit, where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months, at a rate of 10%. You plan to reinvest these funds. But after 6 months, the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Deposit Fraud

Recently, revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people turned to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.

What is the point of this scam? It turned out that banking organizations stole money from the accounts of their depositors. Double bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts, there was nothing to compensate.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize by itself.

Proceed according to this algorithm:

Apply to a banking organization with an application for insurance compensation, attaching the documents that you have on hand;
The application from the bank is submitted to the Insurance Agency;
The agency registers it and reviews it;
If the decision is positive, the register of payments will be amended;
As a result, you will receive your money in full.

Of course, this procedure will make you spend not only time, but also nerves. Although, most likely, the outcome will be positive.

You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose the right bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Interest rates on deposits in Moscow banks

Since interest on deposits in Moscow largely determines how much the deposit will be added to the original, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.

Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
termless or short - term deposits are usually accompanied by lower deposit rates in Moscow banks .

Thus, if you want to open a deposit at high interest, then try to correctly plan your budget in order to be ready to comply with certain restrictions:

a ban on closing a bank deposit in Moscow ahead of schedule;
prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. There are several options:

daily;
once a week;
once a month;
once a quarter;
only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2019, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

The deposit calculator on this page will help you quickly get all the necessary information on current deposits:

Enter your deposit requirements.
Get a complete list of current deposits in Moscow banks for today updated.

After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

Deposits are not only a reliable way to keep your savings, but also an opportunity to make a small profit. Despite the fact that this is a fairly transparent banking product, it is worth considering many of the nuances associated with bank deposits. Today we will tell you how to profitably invest in a bank, get the maximum profit and in which bank to open a deposit.

Bank deposit

Deposit bank accounts are an option for a passive source of income. The depositor does not have to track account data on a daily basis or perform any actions at all. It is enough to periodically monitor information on interest accrual and make timely decisions to withdraw money or make decisions on further investment. Therefore, people who intend to open a deposit in a bank, first of all, care about the safety of funds and hope to receive a small income.

This is a risk-free way of earning, which is clearly regulated by law. The activities of commercial banks are monitored by the Central Bank of Russia, which is ready at any time to defend depositors. Banking organizations are fully subordinate to the Central Bank.

At this stage, the market is saturated with banking offers that are similar in terms of their criteria. They are fairly easy to compare with each other, so for those who decide which bank is better to open a deposit, we will tell you how to choose the right option for yourself and consider the current optimal offers.

To determine which contribution is more profitable, you need to pay attention to the main conditions under the contract, there are only a few of them:

Interest rate. The part that will be the profit. The higher it is, the more profitable the deposit. When deciding which bank is better to make a deposit, it is important to find a rate that would at least compensate for the previous year's inflation. But the interest rate is not the only indicator.
This is the addition of the accumulated money in the deposit amount, i.e., with a certain frequency, the deposit amount will grow, and interest will be charged on a large part, which will make the deposit more profitable. As a rule, such options have a lower interest rate than a savings account without capitalization. The more capitalization occurs, the greater the profit. There are contracts with monthly, quarterly or annual capitalization.
Shares from companies. In the banking environment, there is such a thing as a seasonal deposit. This is a promotion from banking organizations aimed at increasing the attracted capital. Also, the seasonality of deposits is dictated by market conditions. Often there are New Year's or summer offers. Such deposits are usually short-term with a high interest rate, it would be advisable to place money during this period.
Tariffs for interbank transfers. When choosing a bank for long-term relationships, it should be understood that after a certain period of time, the profitability of the deposit may become lower than alternative offers from other companies. Therefore, you may have to draw up an agreement with another bank and transfer money there. It is necessary to take into account the commission for the transfer of the bank that opened the account for you.

Banking companies offering to open a deposit do not greatly limit their customers in the maximum amount placed on the account. But another thing is that only 1.4 million can be guaranteed to be returned in conversion into rubles. This is due to the fact that, according to the state program, most banking institutions participate in the deposit insurance system.

If the bank is declared bankrupt or its license is revoked, then at the expense of the state you can return your money, including the interest earned at the time of revocation of the license. Therefore, in one bank it is recommended that no more than 1.4 million rubles be placed in total. If the depositor has a large amount of funds, then it is more reliable to use several banking organizations to open a deposit.

Before choosing a deposit, you need to pay attention to the terms under the contract. Bank deposits directly depend on the refinancing rate set by the Central Bank. This is the rate at which the Bank of Russia lends to commercial banks. Also, interest depends on the exchange rate, the current state of the economy, market trends, and the solvency of the population. All this is quite difficult to predict ahead of time, even for top specialists in this field.

Therefore, a long-term deposit may not be profitable in the future, taking into account the growth of inflation or lost profits in connection with alternative proposals. It is recommended that the period does not exceed one year, after which it would be possible to assess the circumstances and choose the appropriate option.

Often, banking companies in the terms of the contract appoint an automatic prolongation. This means that if the depositor does not decide to withdraw the money at the end of the term, the contract will be extended under certain conditions. And the conditions may differ from the original. For example, when prolonging the rate will be lower.

Banks offer various programs:

open a children's deposit;
savings;
accumulative;
mortgage;
currency deposit.

The rate under the terms of the agreement, if it is a long-term deposit, can be tied to the refinancing rate, and if it fluctuates, it can also change in one direction or another. This will allow you not to worry that there may be large interest losses.

Many programs do not involve early withdrawal of money placed on the account. In this case, there may be a loss of interest, since the conditions provide for an “on demand” rate, which, as a rule, is 0.5%, instead of a funded rate of 8-9%.

Or the conditions dictate that the account must have a minimum balance, usually it is at least 10% of the deposited funds and has a lower threshold, for example, 100,000 rubles. This means that money above this amount can be withdrawn, the rest can be issued at a demand rate or subject to penalties.

Let's focus on this point again. The deposit is best suited, where there is a monthly capitalization, while high interest rates under the contract. In the long run, the interest that capitalizes the account can make the investment better, more profitable. For example, let's take 100,000 rubles at 12% per annum.

On a deposit without capitalization at the end of the term, you can get 112,000 rubles.
If there is a monthly capitalization in the contract, then the amount will constantly increase:

100 000 + 1 000 = 101 000;
101 000 + 1 100 = 102 100;
102 100 + 1 021 = 103 121;

…………………………………………….

12 111 550 + 1 115= 112 669.

With large amounts in the account, the profit, respectively, becomes more tangible.

You can open a profitable savings deposit, provided that the possibility of replenishing the account is provided. This option is used by those who are going to make a large purchase. Also, this tool is used to invest part of the profits on a monthly basis. Replenished deposits can serve as an alternative to loans. Every month you make contributions commensurate with monthly payments in lending. Thus, it is not the client who pays interest to the bank, but the banking organization accrues income to the opened accounts.

Many depositors are wondering which bank is more profitable to open an account. As a rule, the choice falls on top structures that have proven their worth for decades. There is logic in this, but you should not dwell on well-known brands.

After all, good offers can be found among small local banking companies. The main thing is that a financial institution participates in the state insurance system. Also indicators of profitable banks are: the authorized capital, the amount of money raised, the profitability for the previous period and the reliability rating from experts.

Insurance

Accreditation for banking companies is provided by the Central Bank. It regulates the list of banks that participate in state insurance. You can also get acquainted with the list of which banking organizations are included there on the website of the Bank of Russia. It is more profitable to open a deposit in one of them.

Top financial corporations, such as Sberbank or VTB 24, have a large authorized capital. The rest of the assets are formed from funds raised from depositors and investors, as well as from the general investment activities of the bank. A large share of funds raised may have a negative impact in the event of a difficult economic situation and the emergence of panic among those who hold funds in this banking organization. In the event of a massive request for money, a financial institution simply will not be able to fulfill its obligations.

Another important factor when choosing the option where it is better to open a deposit is account management tools. This includes both the competence of personnel and remote control services. For example, in the case of Sberbank, you will have to face queues and waiting, but the company has a highly functional personal account and countless ATMs throughout the country and abroad.

Tinkoff does not even have offices, relying entirely on remote service, some local banks are poorly represented, but they provide prompt assistance in customer matters.

Reviews

A profitable contribution will always be distributed on the Internet, where users leave their feedback. It is worth separating the PR company of a banking institution with purchased advertising reviews from the opinions of real investors. Therefore, as an analysis, it is recommended to use proven resources, such as: banki.ru or sravni.ru.

Banks

It's time to consider real current offers and identify profitable options for savings deposits at the moment. Perhaps, based on our analytics, you will choose the right offer for yourself.

Loco-Bank

At the moment, the deposit is better than that offered by Loko-Bank. The interest rate can reach 11% per annum. The minimum amount is 100,000 rubles, the maximum threshold is 2 million rubles. The term of the deposit is 400 days. At the same time, the interest rate is not homogeneous, but is distributed as follows:

up to 100 days - 11%;
101-200 days - 10%;
201-300 days - 9.5%;
301-400 days - 6.5%.

Deposit replenishment is not provided, but capitalization is carried out on a monthly basis. You can open a ruble account, only partial withdrawal is possible, the contract is not automatically renewed.

Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.

The best interest on deposits in banks

Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
at 91 days - 6.6%;

for 181 days - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, favorable conditions will make the process quick and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

the minimum amount is 1000 rubles; $100; 100 euro;

terms and interest for deposits in rubles:
for 95 days - 5.75%;

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars euro;

the minimum amount is 30,000 rubles; $5,000; 5000 euros;

terms and interest when opening a ruble deposit in the office for up to 1 year:
upon termination within 31–90 days - 6.6 / 7.6% (Halva card);

upon termination within 91–180 days - 7.0/8.0% (Halva card);

upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);

upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).

terms and interest when opening a ruble deposit in the office for up to 3 years:
upon termination up to 90 days - 6.8 / 7.8% (Halva card);

upon termination up to 180 days - 7.2 / 8.2% (Halva card);

upon termination up to 365 days - 6.8 / 7.8% (Halva card);

upon termination up to 730 days - 6.0 / 7.0,% (Halva card);

upon termination up to 1095 days - 6.0/7.0% (halva card).

terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
upon termination within 31–90 days - 6.6%;

upon termination within 91–180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271-365 days - 6.6%.

terms and interest when opening foreign currency deposits:
in US dollars for 271–365 days - 1.55%;

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;

terms and interest:
for ruble deposits for 91 or 191 days - 6.42–7.30%;

in US dollars for 91 or 181 days - 0.20–0.80%;

in euros for 91 or 181 days - 0.10%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.

"Maximum Interest" (Binbank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

the minimum amount is 10,000 rubles; $300; 300 euros;

terms and interest for ruble deposits:
when opening at a bank branch - 6.10-7.30%;

for individuals (pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

terms and interest for deposits in US dollars:
when opening at a bank branch - 0.55-1.65%;

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

terms and interest for deposits in euros:
when opening at a bank branch - 0.01%;

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms of deposit opening - from 31 to 1460 days;

the minimum amount is 3000 rubles; $50;

interest rate for ruble deposits - up to 6.70%;

interest rate for deposits in US dollars - up to 2.45%.

One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

Profitable (VTB 24)

Conditions:

currency - rubles;

minimum amount:
when opening an online deposit - 30,000 rubles;

when opening a deposit in a bank branch - 100,000 rubles.

terms and interest when opening a deposit in a bank branch:
for a period of 3–5 months - 6.20/6.23%;

for a period of 6 months - 6.20/6.28%;

for a period of 13–18 months - 5.90/6.15%;

for a period of 18–24 months - 5.70/6.02%;

terms and interest when opening a deposit online:
for a period of 3–5 months - 6.60/6.64%;

for a period of 6 months - 6.60/6.69%;

for a period of 6–13 months - 6.15/6.23%;

for a period of 13–18 months - 6.10/6.29%;

for a period of 18–24 months - 5.90/6.15%;

for a period of 24–36 months - 5.70/6.02%;

for a period of 36–61 months - 3.10/3.25%.

This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

Pobeda+ (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; $500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euro - 0.01–0.20%.

You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 15,000 rubles; $500; 500 Euro;

terms - from 3 months to 1097 days;

interest rates for ruble deposits:
for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;

for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

for an amount from 1,000,000 rubles - 6.0–6.4%;

interest rates for deposits in US dollars:
in the amount from 500 to 10,000 dollars - 0.30–1.40%;

in the amount of $10,000 or more - 0.40–1.50%;

interest rates for euro deposits:
for amounts from 500 to 10,000 euros - 0.01%;

in the amount of 10,000 euros - 0.01%.

A long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; $100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
for 3–6 months - 3.70/3.71%;

for 6–12 months - 3.80/3.83%;

for 1–2 years - 3.60/3.66%;

for 2–3 years - 3.45/3.63%;

for 3 years - 3.45/3.63%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
for 3-6 months - 3.85 / 3.86%;

for 6–12 months - 3.95 / 3.98%;

for 1–2 years - 3.75/3.82%;

for 2–3 years - 3.70/3.83%;

for 3 years - 3.60/3.80%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75%.

terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
for 3-6 months - 3.45 / 3.45%;

for 6–12 months - 3.55/3.58%;

for 1–2 years - 3.55/3.58%;

for 2–3 years - 3.30/3.41%;

for 3 years - 3.20/3.35%.

terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
for 3–6 months - 3.60/3.61%;

for 6–12 months - 3.70/3.73%;

for 1–2 years - 3.50/3.56%;

for 2–3 years - 3.45/3.57%;

for 3 years - 3.35/3.52%.

terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
for 3-6 months - 0.25%;

for 6–12 months - 0.55%;

for 1–2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3–6 months - 0.05%;

for 6–12 months - 0.20%;

for 1–2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.25%;

for 1–2 years - 0.60%;

for 2–3 years - 0.70%;

for 3 years - 0.80%.

terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.30%;

for 1–2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

terms and interest rates for dollar deposits when opening at a bank branch (from $100):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, Where

N - the initial amount of the contribution;
P is the interest rate;
d - calendar days after which new interest is charged (usually 30 or 31 days);
D - 365 or 366 days a year, depending on the current year;
n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.

Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.