Maximum rates on deposits in rubles. In which bank to open a deposit at a high interest rate? NS Bank changed deposit rates

Only a few banks offer high-interest deposits in Moscow. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is. But this can only happen when several conditions are met:

the account is opened immediately for the entire amount;
nothing can be done with funds until the expiration of the contract;
the client belongs to the preferential category.

High interest rates are possible within the framework. They also get the maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

With a high percentage, citizens can open both at the place of registration and residence. This requires only a passport. There are those who cooperate with young people from 14 years old. The offers for individuals are different:

minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high rates of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find high interest bank deposits in 2020. For convenience, we offer a comparative table with up-to-date information and to calculate the possible profit. The data is regularly updated, so our users receive the latest information. If necessary, you can choose the most convenient currency for calculations.

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

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

Best interest rates on bank deposits

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

The second important parameter is the interest rate. This is the money that you will receive as net income from your deposit. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the depositor. The passively accumulated funds can subsequently be multiplied by starting.

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

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
on day 91 - 6.6%;

on day 181 - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the maximum interest rate. If the client wishes to terminate the contract ahead of time, preferential terms will make the process fast and with minimal losses. You cannot withdraw part of the money or replenish the amount of the deposit during its validity.

Interest is paid at the end of the agreed period to the same account where the original deposit was placed. If you close the deposit later than the due date, only half of the accrued interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail available on the Internet.

"Maximum income" (Credit Bank of Moscow)

Conditions:

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

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

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

According to the primary agreement, interest is paid at the end of the term. However, the bank has created the ability to connect additional options. So, the depositor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. To connect one or more of the described services, you must conclude an additional agreement.

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

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 30,000 rubles; USD 5,000; 5,000 euros;

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

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

upon termination within 181-270 days - 6.6 / 7.6% ("Halva");

upon termination within 271–365 days - 6.6 / 7.6% ("Halva").

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

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

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

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

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

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

upon termination within 91-180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271–365 days - 6.6%.

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

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

It is not possible to partially withdraw funds, but it is allowed to replenish the account. The minimum top-up amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the term of the deposit.

"Reliable" (Discovery)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; USD 1,000; 1000 euros;

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

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

in euros for 91 or 181 days - 0.10%.

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

"Maximum interest" (B&N Bank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

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

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

for individuals (pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

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

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

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

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the period of the deposit, you cannot replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms for opening a deposit - from 31 to 1460 days;

the minimum amount is 3000 rubles; USD 50;

interest rate for ruble deposits - up to 6.70%;

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

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

"Profitable" (VTB 24)

Conditions:

currency - rubles;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

"Pobeda +" (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

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

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35-2.38%;

in euros - 0.01–0.20%.

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

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

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

terms - from 3 months to 1097 days;

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

in the amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

in the amount of 1,000,000 rubles or more - 6.0–6.4%;

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

for the amount of $ 10,000 - 0.40-1.50%;

interest rates for deposits in euros:
in the amount from 500 to 10,000 euros - 0.01%;

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

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

"Top up" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; US $ 100;

terms - from 3 months to 3 years;

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

for 6-12 months - 3.80 / 3.83%;

for 1-2 years - 3.60 / 3.66%;

for 2-3 years - 3.45 / 3.63%;

for 3 years - 3.45 / 3.63%.

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

for 6-12 months - 3.95 / 3.98%;

for 1-2 years - 3.75 / 3.82%;

for 2-3 years - 3.70 / 3.83%;

for 3 years - 3.60 / 3.80%.

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

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75 / 3.96%.

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

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75 / 3.96%.

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

for 6-12 months - 4.10 / 4.14%;

for 1-2 years - 3.90 / 3.97%;

for 2-3 years - 3.85 / 4.00%;

for 3 years - 3.75%.

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

for 6-12 months - 3.55 / 3.58%;

for 1-2 years - 3.55 / 3.58%;

for 2-3 years - 3.30 / 3.41%;

for 3 years - 3.20 / 3.35%.

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

for 6-12 months - 3.70 / 3.73%;

for 1-2 years - 3.50 / 3.56%;

for 2-3 years - 3.45 / 3.57%;

for 3 years - 3.35 / 3.52%.

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

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

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

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

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

for 6-12 months - 3.85 / 3.88%;

for 1-2 years - 3.65 / 3.71%;

for 2-3 years - 3.60 / 3.73%;

for 3 years - 3.50 / 3.68%.

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

for 6-12 months - 0.55%;

for 1-2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

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

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

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

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

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

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

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

for 6-12 months - 0.60%;

for 1-2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3-6 months - 0.05%;

for 6-12 months - 0.20%;

for 1-2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

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

for 6-12 months - 0.25%;

for 1-2 years - 0.60%;

for 2-3 years - 0.70%;

for 3 years - 0.80%.

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

for 6-12 months - 0.30%;

for 1-2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

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

for 6-12 months - 0.40%;

for 1-2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

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

for 6-12 months - 0.40%;

for 1-2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

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

Advice: find out in which financial institutions today.

How to calculate the profitability of a deposit?

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

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

N is the initial size of the deposit;

P is the interest rate;

d - calendar days after which new interest is calculated (as a rule, it is 30 or 31 days);

D - 365 or 366 days a year, depending on the current year;

n - how many times interest will be accrued (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

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

First mistake. The proposal looks noticeable and in every way better than the others. The interest rate is significantly higher than the market average. This is a signal to take a closer look at the bank itself. A positive scenario: a big holiday is on the way and the bank is attracting new customers with such promotions. Negative option: the bank is unreliable and may collapse at any time. His action plan is to get the most out of customers who want the same - big money in a short time. Then such organizations file for bankruptcy, and depositors lose everything.

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

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

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

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

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

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

Advice: if you are concerned about the safety of your data, always check the address of the page you are on. At the top there should be either a similar pictogram with a lock (see below), or the text https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you can neither invest nor withdraw funds.

Summing up

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

Also, initially decide what you want to get from the contribution. Additional income is guaranteed by the capitalization of interest. Choose a realistic time frame in which you definitely will not need this money. Early termination of the agreement with the bank is fraught with the payment of much less money than was indicated in the agreement.

Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to make a profitable deposit for individuals. But which of the most reliable banks in Russia has the highest interest on deposits today? The agency's website specialists have analyzed the offers of the country's largest banks, having compiled an overview of deposits in rubles with favorable interest rates.

Individual deposits - a traditional way of investing money

There are many ways to invest money to generate passive income. You can buy a currency and wait for it to rise in price, you can make money in Forex, invest in a PAMM account, try to get income by trading binary options, and much more.

All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Individuals' bank deposits remain the most reliable and traditional way of investing in Russia today.

Choosing the most profitable investment: what to look for

When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:

- the size of the interest rate, which allows you to choose the deposit with the maximum income;
- the reliability of the bank, which allows you not to worry about the safety of your savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts at the agency's website tried to do this by examining the terms of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable banks in Russia today?

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of deposits in different banks to a “common denominator”, we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared the rates in the largest Russian banks on deposits for a period of 12 months, since this is the most popular investment period. They took 1 million rubles as the estimated amount. And they also tried to dismiss the so-called investment or complex offers with the obligatory investment of money - insurance, mutual funds or shares. As a result, we got the following list (check with banks for exact conditions and interest rates on deposits).

The most profitable deposits in reliable banks in Russia from the top 10

Credit Bank of Moscow

MEGA Online contribution

Deposit / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FC Otkritie

Deposit "Reliable"

No replenishment / No partial withdrawal / Capitalization / Interest accrual at the end of the term.

Promsvyazbank

Deposit "My income"

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Deposit "Savings account"

No replenishment / No partial withdrawal / Capitalization / Interest accrual monthly.

Post Bank

Investment "Capital"

No replenishment / No partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

"Save" deposit

Interest rate

Without replenishment / Without partial withdrawal / With capitalization / Interest accrual on a monthly basis in Moscow banks >>

The main types of deposits of individuals

Today banks in Moscow offer a large number of different types of profitable deposits for individuals. But all of them can be roughly divided into several groups:

✓ term deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish the account.

✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time the interest grows. However, it is impossible to withdraw funds from the account and not lose profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to take part of the funds up to a previously agreed upon minimum balance, on the amount of which interest will be charged.

Of course, in any unforeseen situation, if you need money before the expiration date of the deposit, you can always get it, but the lost profit will be a pity. So, when you are going to make a deposit in the bank, it is better to decide in advance when you will withdraw money, so as not to lose income.

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe for a profitable investment of money is different for everyone and depends on the depositor's attitude to the bank's reliability, auto-rollover, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the depositor.

This page contains banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the "Checkout" button - you will be redirected to the bank's website.

Creditznatok is a service that allows you to select deposits with the maximum interest rate or the most favorable terms, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest on deposits in Moscow and will be able to profitably manage your money right now.

Analysis of profitable offers

Proposals that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period, interest is calculated against the new increased amount. Among the best lucrative offers are:

do not allow replenishment and partial withdrawal of funds;
not allowing the withdrawal of income before the end of the contract;
promotional offers of banks dedicated to memorable dates.

Time deposits with the highest interest rates can also be found among foreign exchange products: the interest rate here is lower than that of rubles, but the option is very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

Profitable deposits at a high interest rate are easier to find in less popular small banks. With an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over quick money. Additional advantages are convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to make a profitable investment. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail a tax payment of 35% on the difference between the interest.

To find out more, click on the "Checkout" button: get all the necessary information and fill out an application on the bank's website. Look for great deals with Creditznatok!

When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with the highest deposit rates, depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP-50 credit institutions of the country were used in order to exclude proposals from companies that may be in an unstable financial position.

Standard deposits

Standard deposits mean deposits for a certain period that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates for such deposits are the highest. The top ten leaders with the best deals look like this:

Deposits with additional opportunities

Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.

Replenishing deposits

TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:

RosEuro Bank - 8.5%. The banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. Monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
TransCapital Bank - 8.5%. Another bank with a high interest rate on deposits is TKB. The "Super Long-term" deposit product is designed for 6000 days with the possibility of replenishing the account at any convenient time. The minimum opening limit is 10 thousand rubles. Interest is paid every 400 days.
Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
The All Inclusive program assumes a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
Globex - 8.25%. The "Optimal" product guarantees the multiplication of funds in the indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
AK Bars - 8.25%. A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. The capitalization of interest is in effect, as well as the possibility of replenishing the deposit for any amount.
Moscow Regional Bank - 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Replenishment of the account is possible in the first 183 days.
Credit Bank of Moscow - 7.75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Partial withdrawal deposits

The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:

Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
Novikobank - 8.5%. Novikobank offers a program with fixed periods of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than RUB 1.4 million. Interest is paid every 184 days.
National Bank Trust - 8.25%. At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
AK Bars - 8.25%. The bank has rather strict requirements regarding the minimum deposit amount - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping the initial minimum of 1 million rubles.
Globex - 8.15%. The Universal Online product is only available through an online application. Money can be invested for 6, 12 and 24 months. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that the minimum amount is maintained, individually indicated in the deposit agreement.
Orient Express Bank - 8.02%. The "Practical" product allows you to withdraw money without losing interest. The amount of the initial payment is from 100 thousand rubles. The processing time is 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
Absolut Bank - 8%. Absolut Bank offers a special program for people of retirement age. The account is opened for at least 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum amount of the deposit is maintained.
Ugra - 7.89%. Banking program "Maximum" allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish a deposit account, as well as withdraw part of the money while saving the minimum balance. In addition to this program, Ugra Bank also offers "Managed Interest", where the minimum initial contribution is 100 thousand rubles, and the duration of the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second - 5.5% per annum. Interest can be withdrawn at the end of each period.
Promsvyazbank - 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, keeping the established initial limit. Automatic extension of the contract is possible.
Credit Moscow Bank - 7.25%. The "Settlement" tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. Top-ups can be up to 20 thousand rubles. In case of partial withdrawal of funds, the initial amount must remain on the account.

Opening a deposit

When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online filing.

Often, for opening a deposit account online, a client can even receive a premium to the stated rate.

Of the documents, only a passport is required. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.

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