What can be cooked from squid: quick and tasty

It can take a long time to look through all the profitable offers in the banks of Moscow. On the official websites of banks, there is no way to compare deposits with the offers of 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 provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

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

Benefits of our service

A convenient filter has been created on the site, which makes it possible 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 deal in Moscow by one or several parameters at once. To do this, you can specify in the filter:

• minimum amount;
• currency;
• the term of the deposit agreement;
• additional opportunities for using the deposit.

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

• profitability of the deposit;
• 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 information you need on any of the products presented on our website.

Current offers

In the list of issuing current offers at the moment, the maximum percentages and conditions for cooperation are as follows:

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

Among the available options are in rubles, dollars and euros, offers for retirees, as well as deposits with the ability to replenish the account and extend the contract.

Keep up to date

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

Reliable banks with high interest on deposits. Glad to see you again! A new book by King came out the other day, so I, as an avid reader, went to the store for a novelty.

Already when I approached the checkout, it turned out that the device did not want to punch through the coloring of one married couple.

While I was waiting for my turn to come, I witnessed the conversation of this couple.

The man intended to invest in a bank, but could not choose which one.

My wife could not advise anything decent, so I could not resist and got into the conversation.

Deposits at high interest rates - in which banks interest rates are higher?

Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete.

It is also important to take into account such a factor as risk. As you know, the State Deposit Insurance System guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.

A warning!

The most reliable bank is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business.

It is no wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.

Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.

Private banks from the Top 50 are the choice of people who, to a greater extent trusting private capital, prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).

Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors by the beginning of a new one, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank now offers the following deposits:

• 8 time deposits in rubles, dollars or euros (from 2.3% for the "Savings account" to 6.49% for the "Save" deposit in rubles);
• for wealthy clients who prefer other currencies - "International" deposit (in British pounds, Swiss francs and Japanese yens - at 0.01% per annum);
• 3 deposits for the owners of the Sberbank First and Sberbank Premier service packages - Save special, Top up special and Manage special with increased rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
• 3 online deposits in rubles, dollars or euros (rates are higher than for time deposits, by an average of 0.1%);
• 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.

A choice of replenishing and non-replenishing deposits is possible, with different scheme interest payments (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) "on the shoulder" of any person.

VTB 24

This bank offers 10 deposits on various terms (we can say that they are about the same with VTB 24 as with Sberbank):

1. 3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3. 3 deposits on special terms for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
4. 1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.

Gazprombank

This bank has only 7 deposits: 1 investment, including with investments in mutual funds (up to 9.70%), 5 accumulative deposits of various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).

There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).

Attention!

The rest of the deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

Interest rates here are noticeably higher compared to the banks described above, but the conditions for placement are also somewhat stricter (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new "Seasonal" deposit, which can be opened before January 31, 2017 for 400 days, implies 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.

The bank also offers 3 basic term deposits: “Maximum income”, “Maximum growth”, “Maximum comfort” with rates up to 8.46% for ruble accounts, up to 1.61% for dollar accounts and 0.01% for euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings account in rubles (up to 5%) and special offers for privileged clients.

We can say that deposits in this bank are beneficial primarily for a client with a large amount or who wants flexibility in replenishment / withdrawal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to the ruble rates and 0.1% to foreign exchange rates.

Russian standard

This bank offers 4 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% for dollar accounts and up to 1.25% for accounts in Euro.

Advice!

Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.

Home Credit

Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles (up to 9.34% per annum ).

Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles / dollars / euros, including a multicurrency one. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and replenishment / withdrawal.

MTS-Bank

The best bank deposits in 2017: conditions and interest rates The former MBRD offers 9 deposits in rubles / dollars / euros, including multicurrency and pension. Rates in rubles from this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.

An additional 0.30% to the base rate can be received by clients opening a deposit in the Internet bank, as well as salary clients, up to 0.40% to the rate - with a deposit amount of 4 million rubles or more.

Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit).

But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your contribution not only profitable, but also convenient in terms of using money.

source: http: //site/www.vkladvbanke.ru

The issue of preserving and increasing money is always relevant. One of the smartest and safest options is opening a bank deposit.

A warning!

Which bank and deposit to choose for the most profitable investment in 2017? What criteria, besides the interest rate, are important?

We offer an up-to-date overview of the best conditions for deposits in Russian banks.

What is the best deposit to open?

To begin with, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:

• Rising inflation and devaluation of the ruble.
• Decrease in the growth rate of household deposits.
• Competition between banks for depositors.
• Change in the key rate by the Central Bank of the Russian Federation
• The outflow of foreign investment and the blockade of the debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
• Changes in legislation (until December 31, 2015, a privilege was in effect: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount of insurance compensation on deposits from 700,000 rubles to 1,400,000 rubles. ).

Information for reference

The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take into custody cash from them.

Attention!

It is the main indicator of monetary policy. Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and remains unchanged until December 11, 2015. This is the fifth reduction in the key rate since December 16, 2014, when it was set at 17%.

Some confusion is introduced by the concept of the "refinancing rate", which is also used in lending to private financial institutions, but since the introduction of the key rate, that is, from September 13, 2013, it is of a secondary and reference nature, and since January 1, 2016 it is equal to the key rate, as stated in the document “On the system of interest rate instruments of the monetary policy of the Bank of Russia”.

In addition to the above, it should be noted such monitoring tool of the Central Bank of the Russian Federation as "Maximum interest rate of ten credit institutions attracting the largest volume of deposits from individuals", which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.

Today the Bank of Russia forms the “big ten” of the following banks:

1. Sberbank of Russia;
2. "VTB 24";
3. "Bank of Moscow";
4. Raiffeisenbank;
5. Gazprombank;
6. B&N Bank;
7. "Alfa Bank";
8. Bank FC Otkritie;
9. Promsvyazbank;
10. Rosselkhozbank.

This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on the official websites.

In the third decade of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions attracting the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.

Advice!

In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.

What else is useful to know about the average maximum bid? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended all private banks to exceed the indicator established during the monitoring by more than 2 percentage points (percent), since December 22, 2014 - by 3.5%, since July 1, 2015 it has allowed any increase in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).

Banks' fees for increased risk are set as follows:

• if the value of the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
• if the level of the interest rate on the deposit does not exceed the maximum rate by 2-3%, the credit institution is charged a fee at an additional rate of 0.12%;
• if the bank overestimates the level of the lending rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.

What conclusion should ordinary investors draw from this information? If the level of profitability of a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore a private bank pays contributions to the DIA at an increased rate.

For ease of understanding, we will give an example from the previous methodology of the Bank of Russia:

• The current average maximum rate on deposits is 9.93%.
• The maximum recommended excess of the rate level is 3.5%.
• The maximum acceptable (with a marginal level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.

So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can deal either with an unstable credit institution or conducting risky transactions.

For the sake of fairness, we note that at the moment all deposits in one bank up to RUB 1,400,000 are “under the protection” of the Deposit Insurance Agency (DIA), so the risk is assumed to a greater extent by the banking system than by the depositors.

But there is little pleasant in the thought that you may run into a bank that has had its license taken away or that has started bankruptcy proceedings. On an annualized basis, inflation in 2015 is at the level of 16%, but there are all preconditions for its significant slowdown in 2016–2017.

Looking at the dynamics of the decrease in the key and average maximum rates on deposits, it can be assumed that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.

In the winter, the market is revived with special seasonal products. Despite the fact that the number of interesting offers for deposits is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find the best deposit in rubles or in foreign currency, then this review will help you.

Ruble or foreign currency deposit?

The income and consumption of the overwhelming majority of Russians is ruble-oriented. In this regard, the ruble deposit seems to be the most reasonable solution. In addition, if the ruble continues to weaken, interest rates on ruble deposits may rise, and it is advisable not to miss such a moment.

A warning!

Despite the fact that Russians traditionally consider the currency as a more stable option for saving funds, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the rates of the euro and the dollar are extremely high and the ruble has already managed to more or less stabilize.

If in the short term there is a significant strengthening of the ruble (which is possible with the weakening of sanctions or an increase in oil prices), then the foreign exchange contribution will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.

If you are not one of such people, then the contribution in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the overwhelming majority of Russians are focused on rubles, which means that they need to be saved.

Time deposit or on demand?

All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the investor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (profit from such a deposit will not even cover monthly inflation).

Term deposits are placed for a certain period, before the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is more often placed for a year, less often for several months.

Deposits with the longest retention period are sometimes provided with the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.

Refillable or non-refillable deposit?

Deposits are classified depending on the degree of the depositor's control over the invested funds. When opening a non-refillable deposit, any replenishment or withdrawal operations are prohibited - banks use them to offer the most favorable conditions for placing funds.

The replenished deposits allow you to add money to the account during the validity of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer refillable deposits that allow the client to make debit and credit transactions. As already mentioned, the best conditions are provided for non-refillable deposits.

The best deposits in rubles

At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is decreasing. Recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby causing an increase in interest rates on deposits up to 21-22%.

Throughout the year, the indicator has been decreasing: already in June 2016, the average rate on ruble deposits was 14-15%. Now the maximum yield is at the level of 12-13%.

Experts' forecasts are rather ambiguous: the majority expect a further decrease, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.

Credit Bank of Moscow provides deposits with rates ranging from 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa- Bank "- up to 10%," Raiffeisenbank "- up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is ready to offer.

The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.

The best deposits in euros

The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on deposits in euros is about 2.5-3%.

Attention!

Leading banks with high rates on foreign currency deposits, again, are not encouraging: the average annual interest rate is about 1.5-2.5%. For example, an option for a deposit in euros can be found in UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank Saint Petersburg you can count on a 2.8% rate when you open an on-line deposit for a period of 5 years in the amount of 50,000 euros or more. Interest is paid at the end of the deposit term.

Credit Bank of Moscow offers deposits from 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.

The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about the reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive terms for deposits.

In the current economic situation, of course, it is more appropriate to focus primarily on the bank's reliability. This will also serve to improve the banking sector: ineffective banks will be automatically ousted from the market. However, one should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite solid ones with branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.

The best deposits in dollars

The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered here. At UniCredit Bank you can place a deposit of $ 20,000 or more.

Advice!

USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of B&N Bank: by placing an amount of $ 25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).

The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with such interest if he has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8-3.5%.

source: http: //site/www.kp.ru

How to choose a reliable bank to open a deposit?

I think many of you ask yourself the question: "How to choose a reliable bank" when planning to open a bank account, get a loan or mortgage.

The interest in this topic can be easily explained: firstly, this is another small step towards mastering the basics of financial literacy. Remember, we talked about this in the article "Economy and financial literacy need to be learned"?

Secondly, this is the first small step on the way. practical application of acquired knowledge, to which I was pushed by a far from new and not at all original thought: “money should work”.

A warning!

How to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?

I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with that type of investment, which, in fact, is not investment, but rather a way of accumulating funds - bank deposits.

How to choose a bank for a deposit

Why did I decide to start with this ancient and popular product? Because in our Everyday life we most often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We do not experience stress when we give our money to the bank. And we are not afraid to lose our money, because, you see, the risk is minimal here.

And this does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments such as real estate, mutual funds, Forex, Pamm accounts, investments in the stock market, in works of art, antiques, precious metals.

But we do not always know how efficiently our money can work in different banks. Different deposits on different terms and in different banks can bring completely different income.

Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what percentage.

There are many questions, let's go in order

The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was exacerbated by the recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.

And yet we still and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.

To save or not to save?

The accumulation of money in itself, as a process, I think, for the majority is a boring and monotonous occupation. You have to be a real Plyushkin to save money for the sake of money.

But if the fulfillment of what has been desired for a long time looms ahead, it is a completely different matter.

Attention!

What exactly do you want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? This truly motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.

Goals will be achieved if they are set clearly and concretely. Believe it or not, this has happened to me more than once.

Bank deposits (deposits)

So, the goals are defined. And we return to our deposits again. To make it clearer, let's figure out the terms first.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and on certain terms and conditions in order to preserve them and generate income.

These are the client's funds, which are subject to mandatory return upon the expiration of the contract or at the first request of the client. But at the time of placement on the deposit, they are managed by the bank.

This is a very popular banking product that emerged almost at the same time as the banking system. Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.

What are the deposits?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pros or cons.

But basically, deposits are divided into three main groups, depending on:

1. from the term of the deposit - deposits "on demand" and time deposits
2. from the possibility of replenishment - rechargeable and non-rechargeable
3. from the type of deposit currency - deposits in rubles, foreign currency or multicurrency deposits.

From the term of placing money in the bank.

What is the difference between term deposits and demand deposits? On term deposits that are placed for a certain period (from 1 month to several years), interest is paid upon the expiration of the agreed period.

If the client withdraws his money before the end of the term stipulated by the agreement, then the bank can return in full only the initial amount of the deposit, while the interest on the deposit can be partially charged.

Some banks, upon early termination of the agreement, can return the fully accrued interest, but usually low interest rates on such deposits.

Advice!

On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and the interest rates on them are much lower than on time deposits.

Refillable and non-refillable deposits

Everything is clear here. If the deposit is replenished, then this means that additional amounts can be made to the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is non-refillable, the initial deposit amount cannot be increased, and interest will be calculated only on it.

In what currency to open a deposit?

In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.

The peculiarity of multicurrency deposits: on one account, you can place several amounts in different currencies, for each of which a different percentage will be calculated.

It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.

How to choose the most profitable investment?

What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary remuneration that the client receives for providing the bank with his funds for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (urgent or "on demand" ), capitalization and some other factors, which we will talk about later.

A warning!

Let's make a reservation right away that very high interest rates on deposits are not always a sign of a good bank.

Usually, after the conclusion of the agreement, the bank cannot unilaterally change the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).

How is interest calculated on deposits?

1. The first option: at the end of the term of the deposit, interest is charged on the original amount.
2. Second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, the interest is transferred to a plastic card or other account.
3. The third option: capitalization of interest on the deposit.

This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be charged on a larger amount.

This method of paying interest is sometimes called "compound interest" and can be made once a month, once a quarter, once a year, or in connection with the expiration of the contract.

Attention!

As already noted, deposits with capitalization usually have a lower interest rate, but the income may be higher.

And a few more concepts that need to be understood when referring to bank deposits.

Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placement of a deposit for a new term without the participation of the client.

If there is no prolongation, the funds (principal plus accrued interest) will be transferred to the client's account, and no interest will be charged from that moment.

In order to resume their accrual, you need to come to the bank and open a new account. True, you need to take into account that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.

To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.

Profitable deposits in 2017

So, we found out what deposits are, how interest is calculated and what are the conditions for various deposits. And also figured out that the interest rate, which fluctuates mainly from 3 to 10 percent, depends on many factors.

Banks rating

The goal that you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, reliability are important.

You can often find good offers in banks for pensioners with a higher interest rate. There are some good special offers or seasonal promotions that banks arrange for a short period of time.

Advice!

For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit with a lower interest rate.

But in general, this method of investment, which includes bank deposits, is not the most profitable option today. The size of the rates has been significantly reduced compared to what it was for a couple of years. And to find, for example, a deposit at 10% per annum, you need to try very hard.

Moreover, you need to understand that there is such a rule: the more the bank offers opportunities for a deposit (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to find information about banks?

There are a lot of banks that offer us their services in our country. And sometimes the search for a suitable bank can take a long time. I hope these simple tips will help you navigate this issue.

One of the ways to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly made by such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.

Large international agencies (Fitch, Moody’s and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.

You can also draw certain conclusions by reviewing the bank's credit reporting, which is published on the Central Bank website or on the Bank of Russia website. But to understand these reports, perhaps, only a specialist can do it. We, ordinary clients, can try our luck on the Banki.ru portal, where information is presented in a more accessible form, which can be understood even by a non-professional.

A warning!

The bank's reliability is determined by its financial indicators. For analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current month.

A sign of the bank's reliability and stability is large assets at the current moment and their increase in comparison with previous periods. The amount of its own funds (authorized capital) also testifies to the reliability of the bank.

According to the information agency Finmarket, as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank , Bank Vozrozhdenie, KB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MInB, Credit Bank of Moscow, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia ”, Sberbank RF, Svyaz-Bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HCF-Bank, UniCreditBank.

The need to assess the reliability of the bank based on the analysis of financial statements, paying attention to criteria such as deterioration or violation of the standards mandatory for a banking organization (which may lead to the revocation of the license), to not made own payments and difficulties encountered in paying off their own debts, to high turnover of cash, which is significant exceed the bank's assets and do not have an economic justification, for significant investments in mutual funds and shares (this may serve as a signal that the bank will have big problems in the near future), for any sharp decrease in balance sheet indicators without justified explanations.

Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which at least partially will help reduce the level of risks.

2. By the size of the bank. For large federal and regional banks, the expression “Too big to fail” is almost 100 percent applicable. Information about their assets, which testifies to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.

3. Bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.

4. The drop in ratings which can be downgraded by rating agencies. The fact that credit institutions do not have a rating is also alarming (which may serve as evidence of the bank's unwillingness to provide information to rating agencies, trying to hide something negative).

5. At high rates on deposits. Inflated rates, which are significantly higher than the average level, or their sharp increase may be an indication that the bank does not have enough of its own funds. And, trying to attract more customers through more advantageous, at first glance, offers, the credit institution is trying to pay off its debts. This could be an indication of an increased risk.

How to understand if this rate is too high or not? In this case, one can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions that attract the largest volume of deposits from individuals published by the Central Bank. In March, the maximum rate on deposits was 8.35%.

6. To change the work schedule. Reduction of the bank's working time (decrease in the number of working days and the period of work during the day), reduction of personnel - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems encountered when conducting monetary transactions (for example, delays in withdrawing cash, closing deposits, quality of service), as well as massive closing of accounts by bank clients. You can find out about this from reviews on various forums.

Deposit insurance - additional security measures

What will happen to our deposit if, nevertheless, we made a mistake, and our bank went bankrupt or its license was taken away?

This question worries all investors. In the case of bank deposits, you should not be afraid for your savings if they do not exceed the amount of 700,000 rubles.

Since October 1, 2008, a system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for customers. If such a nuisance happens, and your bank is closed, within 14 days after the occurrence of the insured event, you will be refunded the amount of the deposit.

Deposit insurance system

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This point is worth paying special attention to.

That is, if you have several accounts opened in one bank for a total amount, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.

For example, putting in two banks 500,000 rubles each, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.

But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.

A government bill on increasing deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).

So how do you choose a reliable bank?

Before entrusting your money to this or that bank, be sure to check if the bank belongs to the Russian deposit insurance system. It is easy to do this: you can now find information on any bank on the Internet.

A warning!

First, select all banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.

From this list, choose the deposits with the highest interest rates, having previously made comparative analysis by profitability in different banks. The more you study the offers on deposits and deposits, the more chances you have to find the best option.

Find out if the bank provides fees and commissions for any additional services (for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of premature termination of the contract.

Read the contract carefully! The optimal solution, in my opinion, is the bank's reliability and a relatively high interest rate. But at the same time, do not forget that sometimes behind an excessively high rate there are big problems of the bank, which it is trying to solve at our expense.

A sensible approach, careful analysis and deliberate decision-making will allow you to make right choice... But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.

A deposit or the so-called "deposit" is money that the client places with the 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 on the card, and others).

Both small and larger reliable banks in Moscow in 2020 offer several additional opportunities on time deposits and deposits with maximum and not high interest rates for individuals:

• partial withdrawal and replenishment funds on 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 charged not only on the amount of the initial deposit, but also on the added interest;
• automatic renewal- automatic extension of the agreement if the depositor does not withdraw the deposit at the end of the validity period.

To make the best deposit in rubles or foreign currency at a favorable rate in a bank in the city of Moscow, 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 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 the exchange rate increases against the ruble. This is how you can get the best income from a deposit in 2020.

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.

How should a pensioner, student or middle-aged person choose a deposit? 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, to date, among the deposits in banks in Moscow, the most profitable high interest rate in rubles has a deposit. "Confident Choice Tavrichesky Bank" in Bank "Tavrichesky" (PJSC) - 8.20% per annum. The minimum deposit amount is 50,000 rubles with interest payment 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.

Why deposits with monthly interest withdrawals are profitable today

Many today talk about the need to create so-called "passive income". Deposits with monthly interest is one of the forms of obtaining such income.

They are also called "rent", because in their principle of action they are similar to making a profit from renting an apartment.

In order to get a decent income every month, you need to invest a large amount at once. Therefore, when choosing a bank for such a deposit, it is important to take into account not only the interest, but also the reliability of the investment.

What are the most profitable deposits with monthly interest payments today?

In this review, the site's correspondents have collected the most profitable deposits with monthly interest payments, which are offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles and more for a period of 1 year.

Deposits with monthly interest withdrawals in top-10 banks

"Simple and profitable" deposit

Deposit / Without partial withdrawal / Without capitalization /% monthly

Contribution "Permanent income"

Deposit "Profitable"

No replenishment / No partial withdrawal / Capitalization /% monthly

Contribution " Save»

No replenishment / No partial withdrawal / Capitalization /% monthly

Contribution "For Life"

Post Bank

Deposit "Profitable"

Deposit / Without partial withdrawal / Capitalization /% monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals?

The longer the term of the deposit, the greater the difference in profitability on deposits with capitalization and interest payments to the account. Banks' offers with interest payments to another account, that is, without capitalization, are interesting for those who want to use the income from the deposit to finance their current expenses, - explains Anastasia Gileva, manager of the Absolut-Bank operational office in Ufa.

Are deposits with monthly interest withdrawals insured?

Yes. Individuals' funds in the bank in deposits and on accounts, including foreign currency, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the rate set by the Bank of Russia on the day of the insured event.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and DIA (www.asv.org.ru), as well as on the DIA free hotline 8-800-200-08-05 ...

Conclusion: deposits with monthly interest payments or capitalization?

Deposits with monthly interest can be of two types: with capitalization or payment of income to a separate account.

✓ Deposits with capitalization are beneficial because the real profitability on them is higher due to a constant increase in the amount of the deposit due to the accrual of interest.

✓ Monthly payment of interest is necessary for those who plan to spend income from the deposit. This is an alternative to earning passive income from renting out real estate. As a rule, money is transferred to a separate account or card so that it is convenient to withdraw it, says Viktor Davidenko, an expert on the site for deposit programs.

Note that the above conditions and interest rates of deposits for individuals are not a public offer, and cannot serve as an indication for choosing a specific deposit. This list is not a basis for unambiguous conclusions about the reliability and (or) financial stability of these banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions taken on its basis.

Content

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

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, in a deposit or savings account. The index of trust in financial institutions is gradually increasing, people, according to the experience of previous years, prefer to save surpluses. Each bank offers its own solution, however there is a concept of the 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 revocation of licenses. Other indicators are also monitored.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the last 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 an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking clients' money.

Pension deposit interest

Everyone is glad to 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 retirement deposits with a replenishment 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, there is the possibility of online replenishment. "Pension Plus" - a replenishment deposit for 3 years, 3.5% per annum, "Save" - ​​a non-replenishment, the rate of 5.6% (when opening an online account - up to 6.13%), "Top up" - 5.12% ( online - 5.63%). There is "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension" - 7.75%.

Interest on ruble deposits

The bulk of bank deposits are 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 profits in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest rates of more than 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 withdrawing or replenishing.
• Alfa Bank also holds the bar in the region of 9-10% on three-year accounts.

Foreign currency deposit rates

Although the euro is considered a more reliable currency, the situation with foreign exchange 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, promoted players are in no hurry to make high interest rates on multicurrency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but along with the growth of interest, 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 rating of TOP-10 lucrative offers is drawn up. 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 size.

Most 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% of the institution Credit Bank of Moscow;
• 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 are very different. What does it 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 the interest rate;
• deposits with compound interest initially offer less profit than 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 revocation of the license or bankruptcy, the state undertakes to return to customers amounts 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 institution by the Central Bank, taking into account the value of its equity capital;
• customer reviews of the institution's work;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks looks like this this year:

• Magnus - 8% per annum from J&T Bank;
• "Solid interest" - 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-a year from UniCreditBank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Perspective" - ​​up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

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

• "Solid" - 10.5% for 550 days from GazTransBank;
• “Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
• “Fidelity to the traditions of Premium” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• "By Europlan" - 10% per year from BinBank Capital;
• "Safe" - 10% per year from the bank "Interaction".

Interest rates on deposits in Sberbank for today

Average rates rarely exceed 8%, which is offset by reliability, widespread distribution in the Russian Federation, and quality of service.

• "Memory of generations" - the minimum deposit is 10,000 rubles. the size of the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to War Veterans.
• "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:

• "Drive!" - rechargeable, 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" - an ordinary account with a minimum interest of 2.3 per annum. There are deposits and early withdrawals.
• "Savings Certificate" is a lucrative offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

VTB Bank 24

This bank has a share of government money, so its reliability is fully justified. The interest on the deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• "Accumulative" - ​​from 200,000 rubles. for 3 months and more, interest - up to 6.95, there is income capitalization;
• "Comfortable" - 5.35% (when ordering on the site 5.5%) - a period of six months, the minimum amount - from 200,000 rubles, there is a possibility of partial withdrawal.

Russian Agricultural Bank

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, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is RUB 15,000,000;
• "Classic" - profit 7.95% per annum, interest payment - at choice, the minimum amount - 3000 rubles.

Deposit in Alfa-Bank

The interest rate of a deposit in Alfa-Bank is comparable to that of competitors, but the popularity of a financial institution is great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• "Pobeda +" - a six-month deposit, up to 7.3% and a deposit amount of 50,000 rubles or more;
• "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 or more (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 VTB24, a major credit player. Last year, all branches of "Leto-Bank" were closed, and clients were surprised to find that they were serviced at "Pochta-Bank". An aggressive advertising campaign with the involvement of well-known actors does its job, the bank constantly calls on to use its services to invest the accumulated funds.

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

• "Seasonal" - for a year with an amount of placement from 50,000 rubles. The rate is 8.25% with payment of profits at the end 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 replenishment deposit of up to 7.5% and a minimum amount of 5,000 rubles. possible early closing and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is 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 the leaders among credit organizations do not offer high interest rates on deposits in banks, but it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table: