Comparison of time deposits in different banks. Which bank has the most favorable conditions for deposits and a high percentage of the deposit?

It may take a lot of time to view all the profitable offers in Moscow banks. On the official websites of banks there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly familiarize yourself with the full list of options and their main conditions. A large selection of available deposits makes it possible not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The “Deposits of the Month” section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment amount. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Advantages of our service

The site has created a convenient filter that allows you to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow using one or several parameters at once. To do this, you can specify in the filter:

minimum amount;
currency;
validity period of the deposit agreement;
additional possibilities for using the deposit.

The issuance results are arranged according to one of two possible principles - interest rate or rating. The rating is calculated automatically by our website, taking into account the main characteristics of convenience and safety of working with the bank, such as:

deposit profitability;
bank reliability;
availability of additional options;
availability.

These characteristics give an idea of the bank even before you start working with it. You can independently set the sorting principle and quickly find the necessary information on any of the products presented on our website.

Current offers

In the list of issuing current offers at the moment, the maximum interest and terms of cooperation are as follows:

interest rate - up to 10.25%;
minimum deposit amount - from 1,000 to 500,000 rubles;
storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the current products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest events in the banking market will be regularly sent to your email address. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

What deposit should you open in a bank? What steps do you need to take to open online? You will find the answer to this question in the “Deposits” section on the Banki.ru portal. in rubles and foreign currency, changes in interest rates, insurance - this is the information necessary for every client - an individual. After all, in order to get the desired income, you need to choose the right deposit.

On our website, betting data is updated daily. You can obtain and compare current information about the types of bank deposits: multicurrency, investment, etc.

No less important for many consumers is the procedure for payment of income by the bank: some are interested in deposits with monthly interest payments, while others are interested in receiving everything at once at the end of the term. Opening conditions may vary from bank to bank. After carefully studying all the current offers for individuals, you can easily decide which bank to open.

You will also learn about what the very concept of a bank deposit is, what clauses are especially important in the contract, how the insurance system works, how to receive compensation if the license of a credit institution is revoked, and how to choose the best, most profitable time deposit with a high interest rate. Now the most popular among the population are deposits in, rather than deposits in and. At the same time, a certain part of citizens prefer to choose a multi-currency deposit and insure against losses in case of sudden changes in exchange rates. All offers displayed on this page are the best or most profitable only in the opinion of Banki.ru experts.

How to choose a profitable investment?

Pay attention to the parameters:

Interest capitalization – whether the deposit amount includes the amount of interest accrued for the previous month.
Replenishment – whether it is possible to deposit additional amounts into the account.
Interest is paid at the end of the term or every month.

What is the best deposit rate as of March 29, 2020?

The most favorable rate is 8.7% per annum.

How many offers are valid today?

The site presents deposits from 322 of the largest banks in Russia.

The retail giant traditionally leads the market. However, many credit institutions have “under” offers, and you will be able to choose the bank that best suits your needs. The data on our website is a guarantee that you will always be aware of the latest changes, will be able to compare bank offers and place your money savings with maximum benefit by choosing exactly the deposit that you really need.

Users of the Banki.ru portal from different regions of Russia can select profitable deposits and send them for opening under special conditions. View ratings of offers from Banki.ru experts

A bank deposit has been and remains the simplest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For Moscow residents, bank deposits are especially relevant: having the opportunity to deposit more money into an account, they can count on higher interest rates and profits. But which bank should you make a deposit in, and where will it be both profitable and safe?

As for security today, everything is simple: the state deposit insurance system protects depositors from losing money due to the ruin or liquidation of a bank, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: all you have to do is choose the program with the best deposit conditions and open an account. Interest rate cuts may resume at the beginning of 2017, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where will be the most profitable place to invest money in 2017?

Sberbank

It would be reasonable to start with Sberbank, as the most popular bank among depositors in Moscow. But it’s not very good to make savings in this bank. It's all about the interest rates, which are the lowest among all other banks that we are considering in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, not counting the seasonal “Good Year” offer with a rate of up to 8%.

However, the “Manage”, “Save” and “Replenish” deposits are quite convenient for bank clients. There are no strict restrictions on the amount or period: the client can independently choose any period (from 1 month) and deposit even a minimum amount (from 1000 rubles) into the account. On some deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher on average by 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its clients ample opportunities to receive additional income. The Bank offers three deposit products – “Comfortable”, “Accumulative” and “Profitable”. The maximum income is possible on the “Profitable” deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). For a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period from 91 to 181 days. When opening an agreement in Internet banking, the interest will be higher.

Alfa Bank

At the moment, it offers its clients not only loan products, but also a whole range of deposit programs. The lowest percentage for income-generating (non-accumulative) deposits is 7.10% (the “Potential +” deposit), the highest for the “Victory +” (8.34%) and “Premium +” (7.60%) deposits for the deposit amount from 10,000 rubles. For the Pobeda deposit, you can expect a maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank 0.05% of the deposit amount to the charitable fund for saving sick children " Life line."

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most advantageous offer is valid until January 31, 2017 for the “Seasonal” deposit - up to 10% per annum can be obtained by depositing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days; replenishment and partial withdrawal are not provided. Also, under the “Maximum Income” program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year for an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening “Maximum Income”, “Maximum Growth” and “Maximum Comfort” deposits in the Internet Bank, an increased rate applies - +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its investors several savings programs. One of them is the “Profitable Year” deposit, which is opened in both rubles and foreign currency. The “Profitable Year” deposit is issued for a year, the minimum down payment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum Income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the “Maximum Income” deposit is opened only in the Internet Bank. At 8.0% per annum, the “Capital” deposit is opened for a period of 36 months, but without capitalization of interest. For all deposits except " Cabinet", the minimum amount of the first payment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of deposit, issued remotely, with interest rates of up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with capitalization - 1.25%). You can count on this percentage for a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, for a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partially withdraw up to the minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under the “Maximum Income” deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement when registering on the bank’s website or in the office is from 30,000 rubles, and when opening in the Internet bank – from 10,000 rubles at the same rate. On the “Replenishable” term deposit, the holder of funds can receive up to 9.5% per annum. The shelf life is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate we indicated by placing them for a period of 360 days.

Where is the best place to store money?

As you can see, deposits in Moscow banks are offered under different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles await you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make incoming and outgoing transactions on the account, because for the most part, high-yield deposits prohibit both replenishment and partial withdrawal of funds; interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

Content

Keep your money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper against the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Rates on deposits of individuals

Recent surveys show: more than half of Russians believe that it is better to save money in a bank, deposit or savings account. The confidence index in financial institutions is gradually increasing; people, based on the experience of previous years, prefer to save their surplus. Each bank offers its own solution, but there is the concept of an average bank interest rate, which is set by the Central Bank:

The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other indicators are also monitored.
Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than last year 2016.
The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and increased insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients’ money.

Interest on pension deposits

Everyone is happy to see pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a top-up function, which is a kind of analogue of a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” – replenishable deposit for 3 years, 3.5% per annum, “Save” – non-replenishable, rate 5.6% (up to 6.13% when opening an account online), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.

Interest on ruble deposits

The main share of bank deposits consists of ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer returns in the region of 8-10%:

Sberbank is positioned as reliable and does not offer annual interest rates exceeding 8.1, but the minimum amount starts from 1000 rubles.
VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawal or replenishment.
Alfa Bank also keeps the bar at around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, popular players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but as the percentage increases, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its value.

The best programs for Moscow banks:

“With the maximum rate” – 8%, Uralsib;
“Vlad to the Future” – 10%, BinBank;
“Partner” – 8%, Nevsky Bank;
“Maximum income” – up to 8.4% from Sovcombank;
“All inclusive Maximum income” - 8.5% from the Moscow Credit Bank establishment;
“Financial protection”, in euros, 3.5% – Promsvyazbank;
“For life”, in euros, 3% – UniCredit Bank;
“Tradition of Success”, in euros, 2.5% – Promsvyazbank.

High deposit rates

Interest rates on bank deposits today vary widely. What does this depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

the intensity of issuing loans, which constitute the main profit of institutions;
high competition - an increase in the number of institutions in the country leads to an increase in interest rates;
deposits with compound interest initially offer lower returns than those with a simple rate.

Large players in the financial market do not stimulate profitability, preferring to attract clients with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return amounts to clients up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, taking into account:

analysis of the work of a credit organization by the Central Bank, taking into account the amount of its own capital;
customer reviews about the work of the institution;
inspection of organizations by special agencies.

A sample list of deposits with good interest rates from recognized reliable banks this year looks like this:

“Magnus” – 8% for a year from J&T Bank;
“Solid percentage” – 8% from 3 months. Promsvyazbank;
“PRIME” – 8.13% - 3 months to a year from UniCreditBank;
“150 years of reliability” – 8.2% for 3 months. from Rosbank;
“Promising” - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As an analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenishable deposits for a period of six months or more. Offers from small banks that are actively trying to attract new customers may be interesting:

“Solid” – 10.5% for 550 days from GazTransBank;
“Maximum” – 10.5% from 9 to 36 months, Dolinsk bank;
“Loyalty to traditions Premium” – 10.25% (amount from RUB 2,000,000 for 1 year from Alef-Bank;
“According to the Europlan” - 10% for the year from BinBank Capital;
“Safe” - 10% for the year from the Interaction Bank.

Deposit rates in Sberbank today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution throughout the Russian Federation and quality of service.

“Memory of Generations” – the minimum deposit is 10,000 rubles. the rate is 6.4-7%, with part of the profit transferred to the Military Veterans Assistance Fund.
“Save Online” – can be done in any currency. A small minimum amount - only 1000 rubles. – makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

"Control!" – replenished, it is possible to issue it online. The percentages range from 3 to 5.85.
“Give Life” - part of the income is donated to the Foundation of the same name. Term – 1 year, rate – 5.3%, no replenishment.
“Savings” is a regular account with a minimum interest of 2.3 per annum. There are replenishments and early withdrawals.
“Savings certificate” is a profitable offer with an income of 8.45% per annum. Feature – not subject to the deposit insurance system.

Bank VTB 24

This bank contains a share of government money, so its reliability is fully justified. Today, VTB 24 Bank offers low interest rates on deposits, which is compensated by favorable conditions:

“Profitable – Telebank” with monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
“Cumulative” – from 200,000 rubles. for 3 months and above, interest – up to 6.95, there is capitalization of income;
“Comfortable” – 5.35% (when ordering on the website 5.5%) – period from six months, minimum amount – from 200,000 rubles, partial withdrawal is possible.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as a “people's bank” with favorable offers for all segments of the population. Interest on deposits of individuals of Rosselkhozbank ranges from 6 to 9% depending on the duration and size:

“Investment” - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, year);
“Golden Premium” – up to 8.1% for a period of 3 months. up to 3 years, minimum amount – 15,000,000 rubles;
“Classic” - profit 7.95% per annum, interest payment - optional, minimum amount - 3000 rubles.

Deposit in Alfa Bank

The interest rate on deposits at Alfa Bank is comparable to its competitors, but the popularity of the financial institution is great. Currently clients are offered:

“Life Line+” – deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
“Victory+” – deposit for six months, up to 7.3% and a deposit amount of 50,000 rubles;
“Potential+” – with a high minimum amount of 5,000,000 and a profit of 6.4%, term – 245 days;
“Premier+” - for six months, 6.8% with an amount of 5 million rubles (payment of profit - upon completion of the contract).

Post Bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of the large credit player VTB24. Last year, all branches of Leto-Bank closed, and clients were surprised to find that they were serviced by Pochta-Bank. An aggressive advertising campaign involving famous actors is doing its job; the bank is constantly calling for the use of its services to invest accumulated funds.

It is proposed to choose the following rates for deposits in Post Bank, and all deposits are subject to insurance:

“Seasonal” – for a year with a placement amount of 50,000 rubles. The rate is 8.25% with payment of profit upon expiration of the term, pensioners receive 8.5% per annum.
“Capital” – for six months or a year up to 8.25% plus a card as a gift.
“Accumulative” – a deposit that is replenished up to 7.5% and a minimum amount of 5,000 rubles. early closure and capitalization of interest once a quarter is possible.
“Profitable” - an annual deposit with 7.75% per annum and an amount of 500,000 rubles, a card or personal account comes as a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It is worth noting that today leaders among credit institutions do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the Russian Federation, who value their reputation, participate in the deposit insurance system (currently the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the offers in the table:

Bank's name		Interest	Terms of deposit
BaltinvestBank			There is no replenishment, interest payment at the end, no early withdrawal.
Russian standard	Maximum percentage		Payment of profit at the end, without replenishment and early withdrawal.
MosOblBank	Personal		Monthly payment of profits, replenished, without withdrawal.
	Fixed income		Replenishable (if agreed in advance, with preferential commission for early withdrawal), payment of profits every month.
BinBank

A deposit or so-called “deposit” is money that a client places in a bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow, the best interest rates on ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals in Moscow differ in terms, currency and rate; there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

In 2020, both small and larger reliable Moscow banks offer several additional opportunities for time deposits and deposits with maximum and low interest rates for individuals:

partial withdrawal and replenishment funds in the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is accrued not only on the amount of the initial deposit, but also on the added interest;
automatic renewal- automatic extension of the contract if the depositor does not withdraw the deposit upon expiration.

To make the best deposit in rubles or foreign currency at a favorable rate in a Moscow bank, consider these three points.

Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most favorable interest rate deposits in Moscow banks today are offered in Russian rubles.

Investing money in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although rates on foreign currency deposits have decreased significantly due to exchange rate instability, you can receive income when the exchange rate against the ruble rises. This is how you can get the best income from your deposit in 2020.

Most banks in Russia offer foreign currency deposits in dollars and euros; deposits in other currencies are rare. You can compare currency quotes on our website in the Exchange Rates section. However, there are few offers of deposits at good interest rates in these currencies, since the demand for them is low.

What contribution should a pensioner, student or middle-aged person choose? The “Deposit Selection” form will help you choose an offer with the best rate and conditions. 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 2020, today, among deposits in banks in Moscow, the most profitable high interest rate in rubles is the Deposit Confident Choice Tavrichesky Bank in the bank Tavrichesky Bank (PJSC) - 8.20% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit in Moscow with the maximum rate in rubles.