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 at home in a box 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.

The current offer of bank accounts available on the market is very rich, and the programs themselves provide us with more and more opportunities. All this makes it difficult to make an informed choice, there are people who make decisions quickly, but in the long run of a year or two, this may involve a real loss of hundreds of thousands of rubles. It is worth taking the time to familiarize yourself with the offers of banks and make an informed decision that will pay off in the future.

A savings account is the easiest way to save money in 2019 safely and systematically. Can be a good alternative to bank deposits as a way to protect savings from inflation. Compared to deposits, it provides greater flexibility in the management of funds. Most offers allow you to place fairly large amounts.

To choose the best savings account in 2018, you should start by assessing your needs and options, and then check the table to find the right offer. Minimum interest rate

Savings account terms

The task is to secure profit for the owner. The accumulative does not offer all the features of the standard one, but this is not its essence - it should be characterized by high profitability. Unlike deposits, it allows you to maintain liquidity, but, on the other hand, the disadvantage, in comparison with time deposits, is a reduced rate and a greater risk of its further reduction. If you are looking for the best returns in 2019 and high financial liquidity for your free funds, this article will help you make the best choice.

Bank credit	Bid %

What to check and compare?

Yield.
capitalization type.
Minimum and maximum deposits from which interest is calculated
The period during which the return is guaranteed.
Number of free transfers per month.
The cost of each subsequent paid transfer.
Fee for creating an opening.
Service charge.

Click on the chart to see details

How to compare?

When comparing accounts in 2019, you need to consider:

The interest rate is beyond doubt: the higher the rate, the more we earn.
We check the opening conditions - most banks require the client to have a personal account. Maintaining is usually free, but with personal accounts it may be different, so it is worth checking the conditions of such a standard account in advance, paying particular attention to the monthly payment for a personal account and maintaining a payment card. Fortunately, some individual accounts can be set up without the need to apply for a debit card.
Interest Capitalization Frequency – The general rule is that the more often interest is added to the account, the better. An account with daily capitalization brings higher profit than with monthly capitalization.
The amount of funds that can be deposited - only some banks do not impose restrictions on the amount of the balance. In most cases, the rate varies depending on the amount of accumulated funds.
Additional conditions - some institutions reward clients with higher returns that last for several months.

Savings programs are characterized by variable returns, so changes in parameters and their profitability are inevitable in the long run.

Comparison 2018

You can approach the comparison of savings bank accounts in several ways:

An alternative to a deposit for protection against inflation and additional profit from savings. If you are actively looking after your savings and are looking for the best rate, sometimes the yield can be competitive with your investment. Only the interest rate and the minimum number of additional conditions are taken into account. Moreover, savings products allow you to place large amounts.

As you can see in the table, new fund promotions are getting more and more popular. In such cases, even if you already have money in several banks, it is enough to transfer them to exactly where the rate is maximum.

Minimum interest rate

Click on the chart to see details

This makes it easier for you to manage your savings and does not exclude those who have already dealt with this bank. As you gain experience, you can practice and reduce your balance on the right day. It takes some effort, but it can be beneficial.

Systematic economy. Secondly, it is a convenient way to systematically allocate a certain amount of money. In this situation, you want to protect savings from inflation, but without the need to monitor the terms of deposits and with more flexibility. Then convenience is important, for example, the maximum possible number of free transfers per month. Transfer fees are quite high. They should be used only in case of really urgent needs.

Bid. Remember that the annual rate is almost always stated, and the nominal return will also depend on how long you keep the money.

Maximum interest rate

Click on the chart to see details

Comparison criteria

Here is a list of the most important criteria to consider when comparing:

Withdrawal cost – the service, as the name suggests, is used for accumulation. As part of the program, the bank offers a higher rate, provided that you do not make many withdrawals. To motivate the client to save, only one withdrawal per month is free, and additional charges apply for subsequent withdrawals. Pay attention to this cost.
Offers for new customers, if you are already a customer of the bank, they are less interested in tempting you with high interest rates - often good returns - only for new funds or for new customers. If only new funds are included in the advertisement, you need to withdraw money from time to time. In the next period of the promotion, you will already be eligible for a higher interest rate.
Insurance.

Which bank to open

In the case of promotional offers, the most common is the base rate and an additional bonus for the promotion for a certain period of time. The calculation of the promotion period starts from the moment of the first transfer of funds. This applies to most offers - from the moment of transfer for several days, months, an increased rate is applied to funds. Some banks indicate that the bonus lasts from the moment of opening or until a given date. In this situation, only persons who opened an account at the very beginning of the promotion can actually use the bonus.

Remember that, unlike a deposit, the yield may change after a while, the table of fees in the bank will change. After the advertising period, the yield drops. Therefore, even if you are mainly concerned with comfort and flexibility, be sure to periodically check what interest rate you currently have and whether this is really a good offer - this will help you compare benefits.

Everyone who opens a deposit wants to get the maximum income, and this is quite natural. Another thing is that the benefit does not always lie in the highest interest rate, because the benefit is also manifested in the convenience, comfortable use, and security of banking products. To date, Alfa-Bank offers several solutions for saving and accumulating funds - accounts and deposits.

Deposits of Alfa-Bank

Entrusting our personal funds to the bank, we are always worried and worried about their safety. Alfa-Bank is a member of the mandatory bank deposit insurance system, which guarantees reimbursement of up to 1,400,000 rubles in the event of liquidation of a financial organization and the occurrence of other insured events. In this case, no additional written agreement or contract is required from the depositor, because deposit insurance is carried out and controlled by law.

Choosing the most profitable investment

Before opening a deposit, the client needs to decide on such parameters as the term, amount, the possibility of replenishment and partial withdrawal.
Alfa-Bank deposits are divided into replenishable ("Premier", "Potential", "Multi-currency") and non-replenishable ("Victory", "Premium", "Life Line", "A +"). The latter have a higher rate, but they lack the possibility of replenishment, which is so important for many. In case of early termination of any deposit, interest is calculated at a rate of only 0.005% per annum, so you should think carefully before making a deposit for a significantly longer period.
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In any case, you need to look at the circumstances: if you plan to deposit relatively small amounts, moreover, quite often, it is more convenient to open a replenishable deposit. If, after a certain period of time, you need to deposit funds over 10,000 rubles at interest, then you can simply issue another non-replenishable deposit at a favorable percentage.

Would you like to receive a monthly percentage of the invested amount to your account? You will certainly be interested in the Premium product (from 5.85 to 9% per annum). However, keep in mind that with regular withdrawals of accumulated funds, at the end of the term, only the initial deposit amount will remain, because you have already used all the income.
Those who plan to accumulate income by a certain date (for example, for a wedding, vacation, etc.) should pay attention to the "Potential", which allows you to determine the individual deposit period with an accuracy of 1 day.

The contribution deserves special consideration. Multicurrency”, which, unlike all other products of this kind, is opened simultaneously in rubles, dollars and euros. Such a decision helps out during periods of financial instability, during the so-called "crises", when exchange rates "jump" literally every day. In addition, a multi-currency deposit is an excellent alternative to playing on stock exchanges, because within the framework of the deposit, you can transfer funds from one currency to another at the bank's rate without additional fees. By carefully following the latest events in the financial world, you can not only get your "legitimate" income on the deposit, but also win on exchange rates.

Savings accounts of Alfa-Bank and their advantages

Savings accounts - "Blitz income", "Valuable time" and "My safe" are issued without opening a deposit in rubles, dollars or euros. The interest on them is slightly lower than the rates on deposits. So, for “Blitz-income”, with a balance below 100,000 rubles, 0.01% per annum is charged, above 100,000 - from 4.2 to 6%. On the My Safe account, the rates vary from 0.9 to 2.4 per annum. Also in Alfa-Bank there is a rather interesting product, My Goals, similar in terms of rates and conditions to My Safe. It is opened by the user independently through the Alfa-click Internet bank, where it is necessary to set parameters such as the expiration date, the desired total amount of savings, etc.

Such a tool will help to set aside certain funds by the right dates. In this case, the system will notify the client about the missing amount and the recommended monthly deposits.
For such products, interest is accrued monthly on the amount of the minimum balance. For example, if you deposited 150,000 rubles into your account, spent 50,000 rubles within a month, then interest is charged on the amount of 100,000 rubles. At the same time, you can at any time fully or partially withdraw funds from your account, make various transfers and payments, without waiting for the end of a certain period.

Product " valuable time» has a more complex system of accruing interest, which depends not only on the amount of the minimum balance on the account, but also on the term of the funds. As a result, a bank client can benefit from 0.01% to 7.5% per annum.

savings accounts very convenient if you still cannot decide exactly when you will need your funds, as well as if you need to deposit funds for a month or two. In fact, your money remains in the immediate availability, but at the same time, income is still accrued on them. The disadvantages include the impossibility of registering savings accounts for non-customers of the bank (except for the My Safe product). In addition, these accounts are not deposits, which means that they are not insured during the liquidation of a financial company, its bankruptcy.

→ Which is more profitable: a bank deposit or a savings account?

Which is more profitable: a bank deposit or a savings account?

Citizens who prefer not to spend all their earned money at once, but to create savings, of course, it is more expedient to keep savings in a bank. However, the traditional term deposit, which has a number of disadvantages and does not provide for the possibility of daily disposal of funds, has a very convenient alternative - a savings account. In this article, we want to consider this type of placement of funds in a bank in more detail.

Cases when it makes no sense to open a bank deposit

If a potential investor has a strong desire to save a specific amount of money, say, to make a large purchase, and at the same time he is sure that his current income will be enough for him to live, then a deposit in this case will be the best solution. This method of storing and accumulating money involves the placement of funds for the period specified in the contract. The bank during this period uses the depositor's funds for investments, and the owner of the deposit is guaranteed to receive the agreed percentage. A completely different situation develops if the depositor will often apply for money placed in a bank account. A term deposit in this case is not the most profitable solution.

If the depositor, due to a number of circumstances, suddenly decides to withdraw his funds ahead of the time specified in the deposit agreement, then he will lose a fairly significant amount when recalculating the interest on the deposit, and in some cases, he will remain without interest at all. Most of the deposits, under the terms of which the client has the opportunity to use the funds on the account, provide for the calculation of charges on the minimum balance.

Even if the client withdraws money for only a few days, the interest payment upon closing the deposit will be insignificant. Moreover, many of them set the size of the "minimum balance", which cannot be withdrawn without closing the deposit.

Some deposit offers do not provide for the possibility of replenishing a term deposit, which is another disadvantage.

When is the best time to open a savings account?

As we have already said, a savings account is a worthy alternative to a term deposit. The owners of most of these accounts have the opportunity to: freely withdraw funds in any amount; replenish the account at any time without restrictions; receive interest payments on the "minimum balance" for the billing period.

Many banks offer as a "bonus" an increase in the interest rate depending on the time during which the funds are in the account. Moreover, the larger this amount, the higher the interest rate.

Money from a savings account can be used to pay for purchases and services, funds from a savings account can be transferred online to other accounts, etc.

Accumulative deposits with the possibility of replenishment Good day, readers! I have some friends, or rather friends of my parents.

Wealthy, family people. They always try to help their children and grandchildren, give them expensive gifts and help with finances.

They decided to consolidate the financial position of their granddaughters and open a savings deposit.

While both have not retired, they plan to replenish this contribution periodically. Interested in this opportunity?

I am writing especially for you. All about what are savings deposits with the possibility of replenishment, we read in the article.

A deposit with replenishment is a kind of piggy bank, which, if used correctly, can not only save your money, but also bring income.

Do I need a deposit account with replenishment?

When choosing a long-term deposit with the ability to regularly deposit money into your account, you should understand that you are dooming yourself to not the most favorable interest rate in advance.

Warning!

Low interest rate is the main disadvantage of deposits with replenishment.

Why is this happening?

The fact is that the situation in the financial market is constantly changing, it is extremely difficult to predict what will happen in a year, not to mention a decade. What if another financial crisis hits the country? Or even worse - there will be a general prosperity? Worse for banks, of course, because all this will lead to very sad consequences for them.

People will stop taking loans. And this is the main source of income for banking organizations.
Banks will be forced to lower interest rates on loans.
Interest on old deposits with replenishment will remain the same. People will continue to bring money, banks will be forced to accept them. But it will cost them too much.

Reference Information

Opening deposit accounts is not the main and not the favorite way for banks to raise funds. After all, you need to constantly monitor their number. If there is too much borrowed money, then they may not pay off. Banks physically will not be able to sell such a number of loans.

Attention!

Therefore, low interest rates on deposits should be taken for granted. As a significant drawback, which, nevertheless, does not negate all the advantages of this banking offer.

Advantages of deposits with replenishment

More flexible cash management. You will be able to independently decide how much money to deposit into a deposit account each month or not to deposit at all.
The collapse of the financial markets will lead to tangible benefits, because you will be able to replenish the account on the same favorable terms, while everyone else will have to deposit money in the bank at new low interest rates.
A bank deposit with replenishment is a convenient tool for accumulating funds. By opening it and setting aside a small amount every month, you can raise money for a travel package, a car, or a down payment on a mortgage. By the way, it will be much easier to get the latest from the bank where your deposit is.

How to choose a deposit with replenishment?

A deposit with replenishment is chosen in the same way as any other. True, he also has his own characteristics, which you should definitely pay attention to.

Find out the exact interest rate. Remember that a high interest rate on a deposit with replenishment is a sure sign that the bank provides for additional fees and commissions. For example, for account maintenance, cash withdrawal, deposit replenishment.
Specify the terms of replenishment. Make sure that the conditions for replenishing the deposit are indicated in the contract. Are there any restrictions? Maybe there is a minimum top-up amount or a deadline for top-ups.
Read the contract carefully. This is a standard recommendation, which, nevertheless, has not lost its relevance. When signing the agreement, make sure that the bank cannot change the terms of the service at its own request. Otherwise, unpleasant surprises cannot be avoided. So, for example, in the event of a crisis, a bank may introduce a commission for replenishing a deposit account.

How to get the most?

Using the possibilities of deposits with replenishment to the maximum, you can get a good profit.

Golden Rule:

“Open a deposit with replenishment only if you are 100% sure that you can regularly deposit money into your deposit account”

By replenishing your deposit account, you increase not the interest rate, but the amount subject to it.

source: http://discovermoney.ru

Savings bank deposit With the help of such deposits, banks enable the population to collect a certain amount of money, which they can then spend on making a major purchase.

Cumulative deposits have such a feature that they do not provide for the withdrawal of the invested amount until the expiration of the contract.

But at the same time, each depositor has the opportunity to replenish such a deposit with any amount.

There are cases when, when drawing up an agreement for such a deposit, it is immediately stipulated that the amount will be withdrawn for a specific purchase. However, here it must be borne in mind that the prolongation of this type of contribution is usually not carried out.

Savings deposits can also be called a convenient tool that allows you to effectively collect money without spending it until you accumulate the required amount. This is very convenient from a psychological point of view, since the bank deprives the depositor of the opportunity to use his money before the expiration of the contract on it.

If the depositor insists on withdrawing his own funds from such a deposit, he will be obliged to return all the interest accrued on this amount. If the depositor “holds out” until the end of the contract, then he will receive not only his money, but also the interest accrued from above.

Joint Stock Company "Sberbank of Russia" has its own deposit program. Entrusting the storage of your money to this bank, you get a number of advantages. You get a unique opportunity to increase your own capital, its complete security, as well as convenience in managing your capital.

The fact that it is safe to keep your money in this bank is evidenced by at least the fact that Sberbank is a member of the Deposit Guarantee Fund for Individuals. Among the mass of offers that the bank offers to the population, the deposit of the savings savings bank of Russia is especially popular, which is by far the most effective banking product for accumulating own funds.

Sberbank savings deposits

If you are interested in Sberbank savings deposits, then you should remember that this bank does not issue funds from such an account until the end of the contract. Of course, if the depositor insists, the money will be given to him here, but the amount will exclude the promised interest.

Deposits of this type in Sberbank provide for the possibility of replenishing funds. If you want to replenish the deposit in cash, then the minimum amount here will have to be at least 1000 rubles. If we are talking about cashless payments, then no one limits you in the amount.

Sberbank allows replenishment of such an account throughout the entire duration of the agreement. The deposit can be accepted here in the national currency and its minimum amount can be 30,000 rubles. Interest is calculated at the end of each month.

A special effect from savings deposits can be obtained by those who immediately expect to receive a high percentage. But this becomes possible only if you have a large amount of money with which you are ready to part without any problems for a while.

source: http://novostink.ru

Deposits and savings accounts. What is more profitable?

Deposits of Alfa-Bank

In this case, no additional written agreement or contract is required from the depositor, because deposit insurance is carried out and controlled by law.

Choosing the most profitable deposit Before opening a deposit, the client needs to decide on such parameters as the term, amount, the possibility of replenishment and partial withdrawal.

Alfa-Bank deposits are divided into replenishable ("Premier", "Potential", "Multi-currency") and non-replenishable ("Victory", "Premium", "Life Line", "A +").

The latter have a higher rate, but they lack the possibility of replenishment, which is so important for many. In case of early termination of any deposit, interest is calculated at a rate of only 0.005% per annum, so you should think carefully before making a deposit for a significantly longer period.

In any case, you need to look at the circumstances: if you plan to deposit relatively small amounts, moreover, quite often, it is more convenient to open a replenishable deposit. If, after a certain period of time, you need to deposit funds over 10,000 rubles at interest, then you can simply issue another non-replenishable deposit at a favorable percentage.

Advice!

Those who plan to accumulate income by a certain date (for example, for a wedding, vacation, etc.) should pay attention to the "Potential", which allows you to determine the individual deposit period with an accuracy of 1 day.

The “Multicurrency” deposit deserves special consideration, which, unlike all other products of this kind, is opened simultaneously in rubles, dollars and euros. Such a decision helps out during periods of financial instability, during the so-called "crises", when exchange rates "jump" literally every day.

In addition, a multi-currency deposit is an excellent alternative to playing on stock exchanges, because within the framework of the deposit, you can transfer funds from one currency to another at the bank's rate without additional fees. By carefully following the latest events in the financial world, you can not only get your "legitimate" income on the deposit, but also win on exchange rates.

Savings accounts of Alfa-Bank and their advantages

On the My Safe account, the rates vary from 0.9 to 2.4 per annum. Also in Alfa-Bank there is a rather interesting product, My Goals, similar in terms of rates and conditions to My Safe. It is opened by the user independently through the Alfa-click Internet bank, where it is necessary to set parameters such as the expiration date, the desired total amount of savings, etc.

For example, if you deposited 150,000 rubles into your account, spent 50,000 rubles within a month, then interest is charged on the amount of 100,000 rubles. At the same time, you can at any time fully or partially withdraw funds from your account, make various transfers and payments, without waiting for the end of a certain period.

Warning!

The "Valuable Time" product has a more complex system of accruing interest, which depends not only on the amount of the minimum balance on the account, but also on the term of the funds. As a result, a bank client can benefit from 0.01% to 7.5% per annum.

Savings accounts are very convenient if you cannot yet decide exactly when you will need your funds, as well as if you need to deposit funds for a month or two. In fact, your money remains in the immediate availability, but at the same time, income is still accrued on them.

The disadvantages include the impossibility of registering savings accounts for non-customers of the bank (except for the My Safe product). In addition, these accounts are not deposits, which means that they are not insured during the liquidation of a financial company, its bankruptcy.

source: http://mobile-testing.ru

The most profitable savings deposits If you want to protect your savings from inflation, open a replenishable deposit for a small amount to fix a high rate.

Such a scheme can be used if there are fears that in the future the situation in the economy will worsen and deposit rates will decrease. You can make some deposits even with a minimum amount - 1 ruble. The main thing is to be able to replenish it.

It is customary to call accumulative deposits that can be replenished with additional contributions for almost the entire term of the contract.

There may be restrictions - the minimum amount of such replenishment and the period no later than which money can be deposited. But the essence remains the same - such deposits can be opened with a minimum initial amount and deposit money throughout the entire term of the deposit.

So you can not only accumulate the required amount by a certain date, but also fix a high rate on the deposit. This is especially true in autumn, when banks are trying to attract customers with higher interest rates and seasonal offers. Consider deposits with a minimum opening amount (from 1 to 1000 rubles), with the possibility of replenishment and with attractive rates (10-11% per annum in rubles).

The highest rate - 11.1% per annum in rubles, 5% per annum in dollars and 4% per annum in euros - on the deposit "Maximum income" in "Expert Bank". The rate is fixed, valid when placing from 1000 rubles (100 dollars or euros) for a period of 1 year + 1 day. Interest payment - at the end of the term, without capitalization. The deposit can be replenished without any restrictions. Partial withdrawals are not allowed. Early termination - at the demand rate. The deposit can be automatically renewed.

The most convenient is "tDeposit" in 2T Bank. It can be replenished, withdraw part of the funds from it (the minimum minimum balance is 1 ruble, 1 dollar, 1 euro). You can open it even without visiting a branch, a bank employee can come to any place convenient for the client with a package of documents. The minimum amount to open is 1 ruble, 1 dollar or 1 euro. Term - from 1 to 30 days.

The rate is 11% per annum in rubles, 4.5% per annum in dollars and 4.10% in euros. If the funds are in the deposit for a longer period of time, the rate increases (provided that the amount is more than 10 thousand rubles or 300 dollars / euros): 31-90 days - 11.02% per annum in rubles (5.1% - in dollars , 4.6% - in euros), 91-270 days - 11.05% per annum in rubles (5.15% - in dollars, 4.65% - in euros), more than 271 days - 11.1% per annum in rubles (5.2% - in dollars, 4.7% - in euros).

Attention!

You can also get a 1.5% bonus on a deposit in rubles with the 2T-Online tariff. Interest payment - every month, capitalization is possible. Early termination - on preferential terms, at the rate in force at the time of opening.

The opportunity to choose the method of receiving income - monthly or at the end of the term - is provided for the deposit "On preferential terms" in Moskommertsbank. The minimum amount to open is 1,000 rubles (30 dollars or euros). Terms - 31, 91, 181, 367, 547, 730 days.

The maximum rates are 10.5% per annum in rubles (4.5% per annum in dollars, 4.75% per annum in euros). Interest payment - monthly, capitalization is possible. Replenishment - perhaps, the minimum amount is 500 rubles, 15 dollars or euros. Partial withdrawal - no. Early termination - on preferential terms.

Interest is accrued at the rate of 1/2 of the interest rate effective at the time of opening the deposit, if the deposit was in the bank for at least half of the term of the deposit specified in the agreement. With auto-prolongation of the deposit - an increase in the rate by 0.25% per annum.

An increase in the interest rate is also possible on the "Classic" deposit in the Sea Bank. When placing from 1 ruble for a period of 1-3 years, you can get 10.05% per annum in rubles, 3.55% - in dollars and euros. From 3 million rubles - 10.85% per annum in rubles, 4.75% - in dollars and euros.

Increased rate: for sailors (as well as for teachers, students and employees of educational institutions who train personnel for the navy and civil fleet) + 0.25% per annum in rubles, + 0.1% - in foreign currency; under the Summer Breeze program (until October 10); under the "Corporate Bonus" program (for employees of companies-corporate clients of the bank); under the program "Favorite client" (previously a deposit was opened) - + 0.30% per annum in rubles, + 0.15% - in foreign currency.

Interest payment - at the end of the term, without capitalization. Replenishment - perhaps, the minimum amount is 10 thousand rubles, 300 dollars or euros. Partial withdrawal - no. Early termination - at the demand rate.

Warning!

A free Visa classic bank card is provided for the Golden Grains deposit in Agrosoyuz Bank. It is issued without a down payment, manufacturing fees and the first year of service. The minimum amount to open a deposit is 1000 rubles, 100 dollars or euros.

Yield - up to 10.5% per annum in rubles, up to 3.9% per annum in dollars and euros. Interest payment - every month, capitalization is possible. Replenishment - possibly, the minimum amount is 1000 rubles, 50 dollars or euros (no later than 90 days before the end of the term). Partial withdrawal - no. Early termination - on preferential terms.

For deposits placed for a period of 1,090 days, interest for the periods of 367 days and 730 days of funds in the deposit is paid based on the interest rate applicable to the deposit for a period of 1,090 days; for the rest of the time - at the rate of demand deposits.

You can change the tariff plan on the deposit "All inclusive online (accumulative)" in the Moscow Credit Bank. Placing funds from 1,000 rubles ($100 or euros) for 370 days, you will receive a yield of 10.5% per annum in rubles (3.75% per annum in dollars and euros). But when changing the tariff plan, the interest rate is reduced by 0.25%.

For example, if there is a need for partial withdrawal of funds from the deposit, the client is given the opportunity to switch to the Settlement tariff plan (switching to another tariff plan is possible only once during the term of the agreement). Interest payment - monthly, with capitalization at the choice of the client. Replenishment is possible, partial withdrawal is not. Early termination - at the demand rate. The deposit can be opened through an ATM or through the Internet bank.

You can also open online "Deposit for those who save" in Tatfondbank. Customers of the bank will be able to take advantage of this opportunity through the Internet bank. Placing funds from 1,000 rubles (10 dollars or euros) for 367 days, you will receive a yield of 10.3% per annum in rubles (2.6% per annum in dollars and euros).

For shorter periods, lower rates: for 31 days - 5.3% per annum in rubles (0.5% per annum in dollars and euros), for 91 days - 7.3% per annum in rubles (1.3% per annum in dollars and euro), for 184 days - 8.8% per annum in rubles (1.8% per annum in dollars and euro). Interest payment - monthly, capitalization is possible. Replenishment - perhaps, the minimum amount is 1000 rubles, 50 dollars or euros. Partial withdrawal - no. Early termination - at the demand rate. Auto-prolongation of the deposit is possible.

source: http://www.sredstva.ru

Deposit with replenishment or debit card, what to choose?

What to choose: a deposit with the possibility of replenishment or a profitable debit card with favorable interest on the balance? This question interests many investors. Especially now, when the banking system of the Russian Federation is under the strong influence of Western sanctions.

Let's look at these fundraising tools, identify their advantages and disadvantages. We will find out where it is more profitable and easier to store money.

Bank deposit with the possibility of replenishment. Pros and cons

Deposit with replenishment - a type of deposit in which the owner can replenish the deposit an infinite number of times and for any amount. You can do this throughout the duration of the contract. Usually such deposits are opened only with the possibility of replenishment. But there are banks that offer deposit accounts with cash deposits and withdrawals.

Advice!

At the same time, almost all banks that offer such products set a certain minimum limit for the client, which must always be on the account. For example, if the minimum deposit limit is 30,000 rubles, then the client cannot lower it, only increase it.

Imagine a situation where you have 50,000 rubles on your account with a minimum limit of 20,000. You can only withdraw 30,000 rubles, since you cannot lower the minimum limit. No, of course, you can withdraw the entire amount, but in this case the contract will be considered invalid, because you violate its terms.

Interest will be fully deducted or recalculated, depending on the agreement and conditions for opening an account. The undeniable advantage of deposits is insurance. Any accounts not exceeding 700,000 rubles are insured. In the event of a bank failure or other trouble, depositors will not lose their money.

Pitfalls of deposits with replenishment

Deposits in ruble terms have higher interest rates than foreign currency deposits.
Most banks set conditions for a minimum deposit amount. As a rule, the minimum amount of replenishment starts from 1000 rubles, which means that you will not be able to replenish your account with 500 or 900 rubles.
Penalties for early closure. If you close the deposit before the expected time, the bank may write off interest or apply sanctions in the form of charging the minimum interest rate, which is provided for demand deposits.

Income debit card. Pros and cons

An income card is a regular debit plastic card that can be used to pay for purchases, withdraw money, and perform any operations to debit and credit funds. The only difference from conventional debit cards is that interest is charged on the minimum monthly account balance. As a rule, it varies from 1% to 10% per annum.

Accumulative plastic may differ by payment systems (Visa, Mastercard, etc.), status (Gold, Platinum, etc.), currency (rubles, US dollars, etc.). As in the case of deposits, all funds on the account to which the card is attached are insured without fail. Remember that only those accounts that do not exceed 700,000 rubles are insured.

Pitfalls for holders of accumulative cards

There is always a risk of theft, forgery, cracking of plastic with subsequent write-off of the balance of available funds.
Many banks put forward certain requirements for the amount of the balance of funds. For example, your account must have at least 10,000 rubles, etc.
Other requirements of banks. For example, in order to accrue interest on the balance on the Russian Standard card, you need to use it at least once a month (make purchases, deposit funds, etc. in an amount not less than 10,000 rubles per month). In the case of Tinkoff Bank, you need to constantly monitor the presence of a minimum balance.
Plastic release fee and annual maintenance.

Differences between a savings card and a deposit with the possibility of replenishment In the case of debit cards, your money always remains with you, you always have access to it (24 hours a day and 7 days a week).

In the case of a deposit, you can withdraw money only on working days and at a certain time, and if you want to withdraw a large amount, you need to notify the bank of your intention in advance (1-2 days in advance).

In the case of debit plastic, you can withdraw absolutely all the funds if you need them, without any restrictions on limits, etc., and after a while replenish the card again. In this case, the accrual of interest will resume. In the case of deposits, you will also be able to withdraw money, but at the same time the contract will terminate, the interest will be written off or recalculated.

What to choose: a deposit with the possibility of replenishment or a profitable debit card In the case of debit cards, only you decide how much money to withdraw and how much to replenish, for how long to deposit your funds. There are no restrictions or prohibitions. If you open a deposit, you will have to comply with certain requirements of the bank. For example, choose the term of the deposit (from 1 year and above).

Warning!

Another difference is the interest rate. If up to 10-15% per annum is charged on the debit card balance, then in the case of deposits, the percentage will be much lower, about 2-7% per year. Most banks charge a fee for opening and maintaining a debit savings card. It can be one-time or monthly, depending on the chosen bank. No one will charge you an additional commission for opening a deposit, etc.

An important role is played by the design of these banking products. For example, to open a deposit, you need to write an application at a bank branch. In the case of income cards, the situation is slightly different. Depending on the name of the bank, plastic can be issued remotely, by phone or in person at a bank branch.

Taking into account all the pros and cons, it is impossible to give specific advice on choosing a particular banking product. It all depends on the specific case, on the possibilities and wishes of the depositor. For example, for those who are not confident in their abilities and are going to save small amounts every month or every few weeks, it is better to choose a savings debit card.

The interest is higher there, and the requirements for contributions are much more loyal. For those who are confident in their abilities and know for sure that they can deposit larger amounts of money, it is better to open a deposit with replenishment. This way you can avoid pitfalls: an annual service fee, the possibility of plastic theft or hacking, but lose the tidbits.

On the other hand, both considered methods of accumulating money are suitable for those who can wait and do not want to take risks. And who does not risk, he does not drink champagne. The investment market opens up huge opportunities for investors. Today you can play securities, speculate in currencies, invest in businesses, MFIs, lend, etc.