A deposit - or the so-called "deposit" - is money that a client places with a bank to protect and increase his capital.
The higher the interest rate of the bank deposit, the greater the potential income. The best interest rates on deposits are often offered during periods of seasonal offers or other special bank promotions.
Bank deposits for individuals differ in terms, currency and rate, also occur additional conditions(the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest on the card and others).
Both small and larger reliable banks in Moscow in 2019 offer several additional opportunities for term deposits and deposits:
- partial withdrawal and replenishment of funds on the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
- capitalization is the monthly accrual of interest on the deposit account. That is, future interest is charged not only on the amount of the initial deposit, but also on the interest already added;
- automatic renewal - automatic renewal of the agreement if the depositor does not withdraw the deposit at the end of its validity period.
To make the best deposit in rubles or foreign currency, consider these three points.
Depending on the currency used, urgent deposits divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2019, the most profitable interest rate deposits in Moscow banks are currently offered in Russian rubles.
Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in the city of Moscow, even in times of crisis. Although the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income if exchange rate to the ruble. This is how you can get the best income from a deposit in 2019.
Most Russian banks offer foreign currency deposits in dollars and euros, deposits in other currencies are rare. You can compare currency quotes on our website in the "Currency Rates" section. However, there are few offers of deposits at a good interest rate in these currencies, since the demand for them is low.
And yet, what kind of contribution should a pensioner, student or middle-aged person choose? Pick up an offer with the best bet and conditions will help you with our form "Select a deposit". With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.
In 2019, to date, among the deposits in banks in Moscow, the most profitable high interest in rubles in the deposit At the top (with NSJ) in Gazprombank (JSC) bank - 9.10% per annum. The minimum deposit amount is 50,000 rubles with interest payment at the end of the deposit term. This is the best deposit in rubles according to our data.
When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with the highest deposit rates, depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 were used credit institutions countries to exclude proposals from companies that may be in an unstable financial position.
Standard deposits
Standard deposits mean deposits on a certain period that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates for such deposits are the highest. Top ten leaders with the best offers looks like that:
Deposits with additional opportunities
Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.
Replenishing deposits
TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:
- RosEuro Bank - 8.5%. The banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. The monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
- Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
- TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the ability to replenish the account at any convenient time. The minimum opening limit is 10 thousand rubles. Interest is paid every 400 days.
- Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
- The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
- Globex - 8.25%. The "Optimal" product guarantees the multiplication of funds in the indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
- AK Bars - 8.25%. A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
- BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. An initial fee from 10 thousand rubles There is a capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
- Moscow Regional Bank - 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Replenishment of the account is possible in the first 183 days.
- Moskovsky Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.
Partial withdrawal deposits
The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:
- Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
- Novikobank - 8.5%. Novikobank offers a program with fixed periods of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than RUB 1.4 million. Interest is paid every 184 days.
- National Bank Trust - 8.25%. At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The deadlines are fixed - 91, 181 and 367 days.
- AK Bars - 8.25%. The bank has rather strict requirements regarding minimum size deposit - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
- Globex - 8.15%. The Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that the minimum amount is maintained, individually indicated in the deposit agreement.
- Orient Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the initial payment is from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
- Absolut Bank - 8%. Absolut Bank offers a special program for people of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum amount of the deposit is maintained.
- Ugra - 7.89%. Banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish a deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second - 5.5% per annum. Interest can be withdrawn at the end of each period.
- Promsvyazbank - 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, keeping the set initial limit. Automatic extension of the contract is possible.
- Credit Moscow Bank - 7.25%. The "Settlement" tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. Top-ups can be up to 20 thousand rubles. With partial withdrawal Money the initial amount must remain on the account.
Opening a deposit
When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online applications.
Often, for opening a deposit account online, a client can even receive a premium to the stated rate.
Of the documents, you only need a passport. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.
V largest city Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options offered to them are simply a huge amount. If you look for high-interest deposits in banks in Moscow today, the first 20 banks are not necessarily the largest institutions. They just give a slightly below average profitability, since they have sufficient capital for investment. Smaller organizations, on the other hand, are actively engaging customers by offering interesting offers and various investment options.
Which bank should you prefer
Naturally, you shouldn't go to the first bank that comes across offering a sufficient percentage. It should be analyzed by at least several parameters:
- founders and partners - it may well turn out that people who are hardly worth trusting are at the helm;
- the financial condition of the bank - it can be traced by the reports published on the website of the Central Bank, special attention should be paid to the ratio of assets and liabilities, the profit received for the reporting period and the size of the authorized capital (the more, the better);
- position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
- availability of insurance - if the deposits are insured with the DIA, then if the bank's license is revoked, the clients' funds are not in danger.
It is not worth looking only profitable deposits in Moscow banks for today - you need to pay attention to their features, which will help you draw up the right investment strategy:
- term of the deposit;
- is early withdrawal possible and on what conditions;
- procedure for payment of interest;
- the presence or absence of capitalization;
- the possibility of replenishment;
- Does the interest increase with the increase in the amount of savings, etc.
The highest rates on deposits in Moscow banks for today: the first 20
Among the many banks in the capital, the 100 largest were selected, out of the deposits they offer, the 20 most profitable were selected. Other selection criteria:
- currency - ruble;
- the minimum amount is 100,000;
- term - at least 1 year.
These parameters helped to select the highest deposit rates in Moscow banks for today, which are listed in the table (if one bank offers two or more deposits, the most profitable was included in the rating).
| Bank's name | Contribution name | Bid | Minimum amount | Procedure for calculating interest | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tavrichesky | Festive | 12.3 | 50000 | Monthly, capitalization | Yes | Not |
| Novikombank | Favorite | 12.25 | 10000 | At the end of the term | Not | Not |
| International Bank of St. Petersburg | Capital | 12.2 | 50000 | At the end of the term | Not | Not |
| Promsvyazbank | Premium | 12 | 3 | At the end of the term | Yes | Yes |
| Vanguard | Passbook | 12 | 100000 | At the end of the term | Not | Not |
| BFG-Credit | Loyal | 11.75 | 100000 | At the end of the term | Yes | Not |
| BFA Bank | Contribution No. 1 | 11.25 | 30000 | Monthly, capitalization / withdrawal to the account | Not | Not |
| Peresvet | Rational | 11.2 | 30000 | At the end of the term | Yes | Yes |
| Transcapitalbank | Growth time. Spring | 11.16 | 20000 | Quarterly | Not | Not |
| Globex | Accurate calculation online | 11.15 | 100000 | At the end of the term | Not | Not |
| Trust | Our people | 11.1 | 30000 | At the end of the term | Not | Not |
| Investtorgbank | Fabulous percentage | 11.07 | 50000 | Quarterly | Not | Not |
| Credit Bank of Moscow | All inclusive Online | 11 | 1000 | At the end of the term | Not | Not |
| Credit Europe Bank | Urgent | 11 | 3000 | At the end of the term | Not | Not |
| MetallinvetBank | Maximum income | 11 | 10000 | At the end of the term | Not | Not |
| Uniastrum Bank | Large percentage | 11 | 20 000 | At the end of the term | Not | Yes, within the minimum |
| Finprombank | My conditions | 11 | 30000 | Monthly, capitalization | Yes | Not |
| Military Industrial Bank | Spring Story | 11 (growing) | 50000 | At the end of the term | Yes | Not |
| Center-Invest | Grow big | 11 | 50000 | Annual capitalization | Yes | Not |
| Education | Base | 11 | 100000 | At the end of the term | Not | Not |
TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate
In connection with the depreciation of the ruble, many clients have aroused interest in foreign currency deposits. At the same time, Russians invest not only in buying dollars and euros., but exotic currencies - pounds, francs, yens, Australian dollars - are also gaining popularity, recently the yuan and the "Canadian" are gaining popularity. However, the most popular is still the US dollar.
- currency - dollar;
- amount - from 1,000;
- term - at least 1 year;
- bank - one of the 200 largest.
It should be noted that some deposits in foreign currency in Moscow banks at a maximum interest rate in the TOP-50 are included in the multicurrency deposit, which will be indicated accordingly, if it is not clear from the name of the deposit. It will not work for such deposits to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.
| Bank's name | Contribution name | Bid | Minimum amount | Procedure for calculating interest | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tavrichesky | Urgent | 3.8 | 1000 | Monthly, capitalization | Yes | Not |
| Globex | Accurate calculation online | 3.35 | 200 | At the end of the term | Not | Not |
| B&N Bank | Standard | 3.2 | 100 | Monthly | Not | Not |
| Ugra | 25 years of reliability | 3.1 | 500 | Monthly | Yes | Yes |
| Promsvyazbank | Premium | 3 | 3 | At the end of the term | Yes | Yes |
| Globex | Rentier online (multi) | 3 | 300 | Monthly | Yes | Yes |
| Novikombank | Favorite | 3 | 300 | At the end of the term | Not | Not |
| BFA Bank | Contribution No. 1 | 3 | 500 | Monthly, capitalization | Not | Not |
| B&N Bank | Maximum percentage | 2.9 | 300 | At the end of the term | Not | Not |
| Trust | Our people | 2.9 | 500 | At the end of the term | Not | Not |
| Trust | Generous interest | 2.9 | 500 | At the end of the term | Not | Not |
| Tavrichesky | Multicurrency | 2.8 | 710 | At the end of the term | Yes | Not |
| Finprombank | My conditions | 2.8 | 1000 | Monthly, capitalization | Yes | Not |
| Ugra | Multicurrency basket | 2.8 | 1000 | At the end of the term | Yes | Not |
| Credit Europe Bank | Urgent | 2.75 | 100 | At the end of the term | Not | Not |
| Loco-bank | Spring is positive (multi, dollar + euro) | 2.75 | 300 | At the end of the term | Not | Not |
| Globex | Online bonus | 2.7 (growing) | 200 | At the end of the term | Yes | Yes |
| MDM Bank | Maximum percentage | 2.7 (growing) | 300 | At the end of the term | Not | Not |
| B&N Bank | Monthly income | 2.65 (growing) | 300 | Monthly, payment to the account | Yes | Not |
| Trust | Multicurrency 2016 | 2.65 | 500 | At the end of the term | Yes | Not |
| Ugra | Growing income | 2.63 | 1000 | At the end of the term | Yes | Not |
| SMP Bank | Maxima | 2.6 (growing) | 50 | Monthly, capitalization | Yes | Not |
| Investtorgbank | Optimal | 2.6 | 100 | At the end of the term | Yes | Not |
| Promsvyazbank | My gain | 2.6 (growing) | 300 | At the end of the term | Not | Not |
| Military Industrial Bank | Spring Story | 2.6 (growing) | 1000 | At the end of the term | Yes | Not |
| Finprombank | Practical | 2.6 | 1000 | At the end of the term | Yes | Yes |
| Peresvet | Knight | 2.6 | 1000 | Monthly | Yes | Yes |
| All-Russian Regional Development Bank | Smart money | 2.5 | 1 | At the end of the term | Yes | Not |
| Raiffeisenbank | Triple benefit (multi) | 2.5 | 1 | At the end of the term, annual capitalization | Not | Not |
| Home Credit Bank | Profitable year | 2.5 | 100 | Monthly, capitalization | Yes | Not |
| OTP Bank | Cumulative | 2.5 | 300 | At the end of the term | Yes | Not |
| Ural Bank for Reconstruction and Development | Cumulative | 2.5 | 300 | Daily | Yes | Not |
| BFA Bank | Accumulation strategy | 2.5 | 500 | Monthly | Yes | Not |
| Metallinvestbank | Maximum income | 2.5 | 1000 | At the end of the term | Not | Not |
| Trust | Retirement income | 2.45 | 100 | At the end of the term | Yes | Yes |
| Saint Petersburg | Online deposit | 2.4 | 100 | At the end of the term | Not | Not |
| Education | Base | 2.4 | 200 | At the end of the term | Not | Not |
| B&N Bank | Multicurrency | 2.4 | 410 | At the end of the term | Yes | Not |
| Finservice Bank | Convenient | 2.35 | 1 | Monthly, capitalization | Yes | Not |
| Credit Europe Bank | Cumulative | 2.35 | 100 | At the end of the term | Yes | Yes |
| Rosselkhozbank | Classic online | 2.35 | 100 | At the end of the term | Not | Not |
| MDM Bank | MDM - The Magnificent Seven | 2.35 | 1000 | At the end of the term, capitalization daily | Yes | Yes |
| Military Industrial Bank | Comfortable | 2.3 (growing) | 100 | At the end of the term | Yes | Yes |
| BFG-Credit | Classical | 2.3 | 300 | At the end of the term | Yes | Not |
| Absolut Bank | Absolute maximum + | 2.3 | 1000 | At the end of the term | Not | Not |
| Orient Express Bank | Oriental | 2.25 | 500 | Monthly, capitalization | Not | Not |
| Renaissance Credit | Renaissance Lucrative | 2.25 | 500 | At the end of the term | Not | Not |
| Tinkoff Bank | Smart Contribution | 2.25 | 1000 | Monthly capitalization | Yes | Yes |
| Moscow Industrial Bank | Classical | 2.25 | 1000 | At the end of the term | Not | Not |
| Education | Maximalist | 2.2 | 100 | Monthly, capitalization | Yes | Not |
When a person accumulates a certain amount of money, he thinks about what is more practical to keep it away from home. And the thought comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. Not a bad idea, but first you need to decide on the bank. Well, it is worth briefly describing the services of the most popular in Russia. financial institutions.
Sberbank
Many people decide in the most trusted and trusted organization. In any case, Sberbank is considered to be such. Here potential customers will find several lucrative offers. You can make a jubilee contribution called "Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. The client receives an insurance program as a gift.
There is also the "Save" contribution. It can be opened for a minimum of a month and a maximum of 3 years. The annual rate is up to 6.49%.
There are also deposits "Replenish", "Manage", "Give Life", "Multicurrency", "International" and "Savings". It is worth talking about the latter in more detail, since it is the most popular, since it is unlimited, and also replenished, with unlimited withdrawals and any minimum amount. The rate can vary from 1.5 to 2.3%.
Let's say a person decided to open a deposit in Sberbank for a year and immediately deposited a million rubles. Every month he replenishes it by another 20,000 rubles. As a result, over the year he will accumulate 1,262,200 rubles, of which 22,209 are net income. However, with the same "Refill" you can 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 also enough offers. But the best is “Profitable” with a maximum rate of 8.55%. With an initial payment 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. This is how the client wants. VTB-24 is also good in that it provides automatic renewal of the deposit and preferential conditions 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 "Accumulative" are replenished tariffs. If you report 20 thousand rubles monthly, then at the end the profit will be 62 and 78 thousand rubles, respectively.
"Rosselkhozbank"
This is another popular financial institution. Many people decide to open a deposit in rubles right here. One of the most demanded offers is the "Classic" tariff. The minimum deposit amount is 3,000 rubles. It is not rechargeable, 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 make an amount of one million rubles, then, as a result, the 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 is also popular with a maximum rate of up to 8.1%. 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 charged on debit card issued to the client after registration of the deposit. It can be used to pay utility bills, mobile communication shopping in online stores. And a person, performing operations with this card, helps to protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Conservation of these rare animals.
OTP
It is impossible not to pay attention to this organization, talking about which bank to open a deposit in is most profitable. There are several proposals in the OTP. 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 impossible. For the “Accumulative” tariff, the percentages are 7.6%, for the “Pension” - 7.4%, and for the “Flexible” - 6.7%. There is also a 6.5% rate.
Well, you can give an example of indicators of potential profit. If a person has invested a million rubles and every month replenished the account with 20,000, then by the end of the year he will have 73,200 rubles on the "Accumulative". This is pure profit. In the case of Pensionny, the amount will be about 83,000. And at the end of the term, it will be 74,000 rubles for the Flexible tariff. "Maximum" is suitable for people with a large income, since replenishment in his case is not provided.
Gazprombank
A certain part of Russians decides to open a deposit at interest in this very organization. Gazprombank has five proposals. They all relate to basic deposits. The first option is "Perspective" with a maximum rate of 8.2%. The term can range from three months to 3 years. Replenishment is not provided.
There is also "Accumulative". The rate is less than 8%, but you can replenish the 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 "Perspective" 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 be possible to gain about 75,000. A similar tariff is called "Victory". Only in in this case the rate is 7.87%, and the final profit, respectively, is about 79 thousand rubles. The deposit, by the way, can be opened for a period from 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, clients are offered the deposits "Potential", "Premium" and "Premier".
In general, as you can see, all banks have a fairly 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 chosen tariff. Before you go to this or that financial organization, it is better to familiarize yourself with all the popular offers and calculate the possible income from interest.
Content
It is important for each person not only to preserve, but also to increase their savings. Financial institutions offer Russians different deposit programs. Before choosing an option for a profitable investment, it is worth considering the available deposits in banks in Moscow at the maximum interest rate with different conditions, rates, terms for placing funds and available operations... All deposits differ in currency, presence or absence of capitalization, method of payment of interest and other parameters.
Profitable deposits in Moscow banks
In the Russian capital, there are more than 50 different financial institutions offering different types of deposits to the population, so it is difficult to choose the best option for yourself. To put money at the maximum percentage, you need to determine the important parameters of the future account:
- currency;
- the possibility of replenishment;
- the ability to carry out expense transactions;
- the reliability of a financial institution.
In addition, the most profitable deposits in Moscow should be selected according to the conditions. For those who would like to quickly accumulate a significant amount, banks are developing term deposits for 2, 3 and 6 months. Another investment option is partnership programs with insurance companies. In this case, the client takes out a life and health insurance policy and receives attractive deposit conditions. Russians can open deposits in Moscow at a high interest rate in banks serving them salary cards... For their clients, issuers are constantly preparing special programs with higher rates.
Profitable deposits in rubles
It should be noted that the rate on ruble deposits is much higher than on foreign exchange programs. If the client plans to spend money in Russia in the future, then it would be inappropriate to choose dollars or euros for investments. Financial institutions in the capital offer a wide range of deposits for individuals. Before placing your money in an account, it is worth not only familiarizing yourself with the conditions, but also checking the bank's reliability rating. Sometimes high interest rates on deposits are offered by unreliable financial institutions in order to raise capital.
When choosing an organization for storing and increasing savings, it should be borne in mind that ruble deposits in Moscow banks with rates of more than 11-12% per annum, as a rule, are just a publicity stunt and should give rise to certain suspicions. Large financial structures such as VTB 24, Sberbank of Russia, Alfa Bank offer rates on ruble accounts of no more than 8.5%.
Specify profitable deposits in Moscow for today in the table:
|
Bank's name |
Program |
|
|
"Moscow City" |
"Accumulative" |
Rate up to 9.25%, monthly capitalization, additional fees available. |
|
"Premier Credit Bank" |
"Profitable cooperation" |
Rate up to 9.5%, top-up. |
|
JSCB "Peresvet" |
"Rational" |
Up to 9.3% per annum, replenishment. |
|
"Investment" |
Rate up to 9.25% per annum, excluding income and expense transactions. |
|
|
"Oriental" |
"Oriental" |
Up to 8.45% per annum, without the possibility of replenishment and partial withdrawal. |
|
"TransCapital Bank" |
"Spring hit" |
Up to 8.95% per annum, capitalization, replenishment. |
Deposits in foreign currency at a high interest rate
Modern financial institutions offer a wide range of services and products. Deposit programs provide for the opening of not only ruble accounts, but also foreign currency ones. This investment option is especially relevant for those who plan to spend their money abroad, avoiding unprofitable conversion. Foreign currency deposits at a high percentage are offered by many financial organizations in Moscow. However, the rate on such programs is significantly lower than on ruble deposits. The table below shows the most attractive offers for residents of the capital:
|
Maximum deposits in Moscow banks (currency - US dollar) |
||
|
Bank's name |
Program |
|
|
"UniCredit Bank" |
"For life" |
Rate 2-3%, monthly capitalization, no replenishment, expense transactions. |
|
"Promsvyazbank" |
"Tradition of Success" |
Rate up to 1.05-2%, restocking, with interest capitalization. |
|
"Gold standard" |
Up to 1.5-2.5% per annum, replenishment, capitalization. |
|
|
High contributions in banks in Moscow (currency - €) |
||
|
Bank's name |
Program |
|
|
"Megapolis" |
"Urgent" |
The rate is 0.55-1.8%, no additional payments, partial withdrawal. |
|
"Prime finance" |
"Classic" |
The rate is 0.4-1.6%, without replenishment, partial withdrawal. |
|
"Your accumulative" |
Rate: 0.5-1.8% per annum, replenishment, monthly capitalization. |
|
Pension deposits
Majority credit institutions offers special conditions for deposits for pensioners. For this category of the population, maximum interest rates, preferential options for early account closure are available. A pension deposit with a high interest is opened only with an appropriate certificate and passport. If a client receives a pension through a financial institution, then you can invest money through the system remote service issuer.
Before making a final decision, compare the advantageous offers of Moscow banks for this category of citizens. For specific deposits in Moscow banks at the maximum interest rate for pensioners, see the table:
The best deposits in banks in Moscow
Each potential investor is primarily interested in the profitability of the deposit. All investments up to 1.4 million rubles are protected by the state. However, the best interest on deposits in Moscow banks can be found among the offers of far from the most reliable financial organizations, subsidiaries or franchises that have recently opened and short term... Rules:
- Before you start drawing up an agreement with an issuer, you should make sure that it is in the top 10, 20 or top 50.
- Placing funds at a higher percentage guarantees a decent income, and cooperation with a reliable issuer guarantees peace of mind.
Up to a year
For those who plan to get maximum income in a short time, there are time deposits. Such products are designed for 3-6 months, after which the depositor receives his money along with accruals. Deposits for 6 months at a maximum interest rate are especially convenient when you need to save up for a vacation, purchase a car or repair, because they allow you to save and increase your savings.
For offers for a period of 6 months, see the table:
Deposits in banks for a year
Most financial institutions are ready to offer maximum interest on bank deposits, subject to long-term placement of funds in accounts. Offers for 12-36 months include high profitability and great opportunities. When choosing the best option, you can make a comparison by:
- conditions;
- minimum amounts;
- the presence of capitalization and other parameters.
Residents of the capital can open a deposit for 1 year using one of the proposals from the table below:
Safe deposits in banks in Moscow
All banks in the capital have their own line of deposits. Considering different offers, some clients pay more attention not to possible income, but to the rating of the issuer company. You can choose a reliable bank with high interest rates on deposits from the list below. All organizations are in the official top 10, have an impeccable reputation and a high rating.
Offers from the most reliable banks in Moscow:
- "Profitable online" from VTB 24 provides income up to 7.55% per annum. An account is opened for a period from 3 months to 5 years, subject to placement of at least 100 thousand rubles.
- "Classic" from the Russian Agricultural Bank. The product is designed for different categories of clients, so you can open an account in any currency for a period from 1 month to 7 years. The client must deposit at least 3 thousand rubles into the account. The yield on the program reaches 8.2% per annum.
- "Perspective" from Gazprombank. To open a deposit, the client needs to deposit an amount of 15 thousand rubles or more. Domestic or foreign opening currency is available. The rate is calculated individually, up to 8%. The term of the deposit is up to 3 years.
- "Memory of Generations" from Sberbank. This product is specially designed for Victory Day. Clients can simultaneously multiply their savings and help war veterans. The rate is calculated individually, the maximum available income under the program is 7% per annum. To open a deposit, you need to deposit at least 10 thousand rubles on it.
Rating of deposits in Moscow banks for today
Those who believe that savings should generate additional income should consider the current proposals of financial institutions. The maximum rates can be obtained within the framework of current promotions, seasonal offers. The rating of deposits in Moscow banks is formed on the basis of customer reviews and conditions offered by issuers. While it is difficult to reconcile reliability and maximum profitability, it is important not to neglect the reputation of the issuers. Below are the popular offers of Moscow banks with a detailed description of the parameters.
Asian-Pacific Bank - Investment deposit
One of the most attractive offers is the ATB product. The deposit parameters are as follows:
- The offer is available to customers who have issued an ILI policy with a bank partner.
- The term for placing funds on the account is 6 or 12 months.
- The amount is at least 167 thousand rubles.
- Currency - national.
- The maximum rate is 10.5%.
- Debit or credit transactions are not provided.
- In case of early withdrawal of funds from the account, all charges are canceled automatically.
Inkarobank - deposit "High interest"
This offer will be an excellent option for those who plan to accumulate a decent amount over time and increase it. The deposit parameters are as follows:
- An account is opened in domestic or foreign currency - at your choice.
- The initial payment must be at least 200 thousand rubles.
- Additionally, you can make a deposit with restrictions (at least 20 thousand rubles).
- Interest is paid every month to a separate client account.
- Deposit term: 1-12 months.
- Account debit transactions are not available.
- In case of early cash withdrawal by the client, the issuer recalculates the accruals at the minimum rate.
Krosna-Bank - term deposit
This offer for residents of Moscow differs in that the bank's interest grows along with the amount on the account, so the client can receive a maximum income of up to 9.33%. The conditions are as follows:
- The minimum amount for opening an account is 30 thousand rubles.
- Placement period: 6-18 months.
- Accruals are paid to the client on a quarterly basis.
- Interest capitalization is available.
- Replenishment without restrictions, no later than 3 months before the end of the term of the deposit.
- Rate: 8.26-9.33%.
Bank Krylovsky - deposit "Suitable"
This offer is no longer relevant for Moscow residents. However, those who previously opened a deposit continue to receive income on the following conditions:
- Amount: from 50 thousand rubles.
- Term of placement of funds: 91-540 days.
- Replenishment is available from 30 thousand rubles.
- Interest capitalization is provided.
- In case of early closure of the account, interest is recalculated only for the current quarter.
Bank Standard-Credit - "Term" deposit
For those who are looking for the maximum income that grows with the amount deposited in the account, the offer from the Standard-Credit Bank will be very tempting. Credit transactions are available on the account, regular capitalization of interest and progressive accrual are provided. The main parameters of the product are presented below:
- Term: 1-12 months.
- Amount: at least 100 thousand rubles.
- Replenishment is available with restrictions (from 20 thousand rubles).
- Monthly payment of interest to a separate account is available.
- The interest rate is constantly growing, the maximum income is 9.93% per annum.
- In case of early closure of the account, interest is recalculated at the minimum rate.
Bank Modern business standards - "Urgent replenishment"
For those who are planning to accumulate a substantial amount, this product will be an excellent solution. The deposit provides for credit transactions, a growing rate, the maximum amount of which is 8.5% per annum, and the payment of charges after the account is closed. Below are the basic conditions for residents of Moscow:
- Term: 1-2 years.
- Currency: domestic, foreign.
- Amount to open an account: at least 15 thousand rubles.
- The interest rate depends on the chosen currency: 8.25-8.5% (rubles) / 1.45-1.6% (dollars) / 0.55-0.60% (euros).
- In case of early closure of the account, income is recalculated at the minimum rate.
Inbank - Constructor deposit with interest payment at the end of the term
This offer is suitable for those residents of Moscow who want to constantly profit from their savings. Interest is paid every month to a separate account of the owner. The main parameters of the program are as follows:
- The minimum amount for opening an account is 700 thousand rubles.
- The term of the deposit: 1-36 months.
- Receipt / expense transactions are not provided.
- Rate: 7.55-9.38%.
- In case of early closure of the account, income is recalculated at a minimum rate of 0.1%.
Bank Round - deposit "Classic"
This offer will suit different categories of citizens. Account opens upon placement small amount and can bring income up to 8.3% per annum to its owner. The advantage of the product is attractive rates for foreign currency accounts. The conditions for the "Classic" deposit are as follows:
- Currency: national, foreign (euros, dollars).
- The first installment is at least 1100 rubles (or equivalent).
- Deposit term: from 1 to 36 months.
- Additional contributions, capitalization of interest are not provided for by the program.
- Early withdrawals are not available without losing credits.
- Maximum interest: 8.3% (rubles), 5% (euros) or 5.5% (dollars).
Bank Our house - deposit "Profitable"
This offer is universal for different categories of clients. The client can choose the appropriate currency, term and other parameters, taking into account their own preferences. For foreign currency accounts, the deposit does not provide for high income, but the ruble deposit brings the owner maximum charges of up to 9.5% per annum. The terms of the program are as follows:
- Term: 1-36 months.
- Currency: rubles, dollars, euros.
- The minimum deposit for opening an account is 100 thousand rubles.
- Income: 7-9.5% per annum.
- Interest is paid after the account is closed.