Opening a deposit in dollars at 5% is a simple matter. Such interest can be obtained in every second Russian bank that accepts foreign currency deposits. We have compiled a rating of banks that are ready to offer their depositors something more.
Banks with the most profitable US dollar deposits
The rating includes banks offering maximum interest rates on deposits in dollars with a deposit amount of up to $ 25,000 (equivalent to 1,400,000 rubles insured by the state). The only pity is that not all of them work in Moscow - it is the capital that accounts for the lion's share of foreign currency deposits.
| Bank | Min. sum | Deposit term | Bid |
| 1000$ | 9 months | 9% | |
| United Credit Bank | 3000$ | 1 year | 6,4% |
| Russian Mortgage Bank | 1000$ | 1 year | 6,25% |
| Sea bank | 15 000$ | 1 year | 6,25% |
| Dolinsk | 3000$ | 3 years | 6,25% |
| Interactive bank | 1500$ | 1 year | 6% |
| Centercombank | 3000$ | 1 year | 6% |
| Avtogradbank | 10 000$ | 1 year | 6% |
| Ermak | 200$ | 2 years | 6% |
| Zemsky Bank | 500$ | 2 years | 6% |
| Express loan | 2000$ | 1 year | 5,9% |
| BFG-Credit | 10 000$ | 6 months | 5,8% |
Togliatti El bank- the undisputed leader of the rating with amazing interest rates on dollar deposits. Here you can count on a yield of 7% to 9% per annum - this is comparable to. The only drawback of El Bank is that there are offices only in the Samara region, Gorno-Altaysk, Kirov and Ulyanovsk.
The best dollar deposit in Moscow - "Currency Prestige" in United Credit Bank: the minimum amount is $ 3,000, the placement period is 370 or 740 days and the interest rate is 6.4% per annum. In addition to high interest rates, OKB provides an opportunity for early termination of the contract with recalculation of income at a rate of 5%.
The largest deposit rates in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum interest rate for today, in 2020.
A bank deposit for individuals today is one of the most affordable tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.
Most of the deposits, which are issued at maximum interest rates, have common features. They cannot be replenished, and partial withdrawals without loss of interest are also prohibited. The only exceptions are short-term deposits for a period of 1-3 months. But they, in general, are not time deposits, but savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals in Russian banks from the top 10 today, as well as their decoding by terms:
- 1 month;
- 3 months;
- 6 months (six months);
- 1 year (12 months).
Deposits with the highest interest rates for today
Thinking where to invest money in 2020 so that it works, many are wondering: which bank has the highest interest on deposits today. But when opening a deposit account with a bank, you should pay attention not only to the interest, but also to the conditions of this deposit, such as the minimum amount and term.
Deposit calculator
Deposits at maximum interest in top-10 banks
"Profitable approach"
ICD
| 7,3%
bid | from 50,000 sum | 375 days term |
For those who open IIS
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Takeoff" 
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100,000 | 368 - 1800 days |
Registration of ILI or NSJ
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3000 | 31 days. - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100,000 | 122 - 731 days |
Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term
"150 years of reliability"
before 5,1%
| from 500,000 | 3 - 36 months |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For saving"
Gazprombank
up to 5% | from 15,000 | 3 months - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Growth time"
VTB Bank
up to 5.0% | from 30,000 | 180 - 380 days |
No replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Victory +"
up to 4.92% | from 10 000 | 92 days. - 3 g. |
No replenishment
Without partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1,000 | 1 month - 3 years |
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Deposits at a maximum interest rate for 1 month
Deposits at a maximum interest rate for 3 months
Bank / Deposit |
|
| 7% | "Takeoff" |
| 5,32% | Gazprombank "Savings account" |
| 5,27% | "In reserve" |
| 5,22% | FC Otkritie "My piggy bank" |
| 5,02% | "Savings account" |
| 5% | Credit Bank of Moscow "All inclusive Maximum income" |
| 4,82% | "Victory + Premium" |
| 4,51% | VTB "Money box" |
| 3,96% | "Save" |
| 3,81% | UniCredit Bank "First class" |
High interest deposits for 6 months
High interest deposits for 1 year
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
What is the safest amount to open deposits for?
According to Russian legislation, deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. If the license is revoked from such a bank, the Deposit Insurance Agency through agent banks fulfills its obligations to its depositors within the established limit. This is the meaning of guaranteeing the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest interest on bank deposits- if the license is revoked, of course, you have to get nervous, but the money will still be returned.
Refunds over the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are assuming an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data are presented for informational purposes only, they are not a public offer.
Deposits are an excellent capital preservation tool available to every citizen. The advantages of using it are obvious: the depositor's free funds are in a safe place and he need not worry about their safety. Due to the accrual of interest, the funds held in the bank are less prone to depreciation, which may be caused by inflation and the impact of other negative factors.
In addition, deposits can be used to make a profit. On the one hand, it is not high. But the total amount of charges on several large deposits is quite a tangible amount.
Foreign currency deposits
The depositor's money is converted (at the current exchange rate) and placed on the account in the form of monetary units of another state. At the time of withdrawal, a reverse conversion will be made. At the rate that will be official at the time of withdrawal. Thanks to this feature, foreign currency deposits have additional advantages.
But they should be used correctly in order to get the maximum benefit and not lose part of their funds. To do this, you should understand in detail not only the advantages, but also the disadvantages. In addition, to study the options for using foreign currency deposits available for use.
Advantages
The popularity that foreign currency deposits continue to gain is due to the fact that they have a number of very important advantages over conventional ones. These relate to both risk management and profit making. If we are talking about fairly large amounts, these advantages should be paid special attention to, since their role can be significant.
This method of investment is especially relevant in times of instability or when the population becomes aware of the possibility of such an onset in the near future.
Protection of funds from depreciation
Funds placed in foreign currency deposits can be most protected from depreciation caused by the instability of the national currency of the native state or the impact of other negative factors. The choice is made in favor of currencies, the exchange rate of which is the most stable or prone to constant strengthening.
These currencies are sometimes called reserve currencies. The most famous and popular of these is the US dollar. Most countries in the world assess the stability of their national currency rates by comparing with the US dollar exchange rate. Russia is no exception. As a result, the depreciation of the Russian ruble does not in any way affect the condition of the capital of holders of deposits opened in US dollars.
The opportunity to make a profit
If the depreciation of the ruble turns out to be too significant, the owners of foreign currency deposits find themselves in a rather advantageous position. For example, the amount of deposits in US dollars, opened in 2010, by the beginning of 2015 doubled only due to the strengthening of the US currency. At the time of opening such deposits, their owners gave about 30 rubles for each dollar, and its cost at the beginning of 2015 was already 60. In combination with the accrued interest, the benefits obtained turned out to be very significant.
For holders of deposits, whose currency was the euro, the situation was completely similar and turned into a benefit. This example perfectly demonstrates how individuals' foreign currency deposits can be used by them to make a profit.
disadvantages
The advantages that foreign currency deposits have can, under certain circumstances, become disadvantages. Especially with the illiterate use of this method of managing capital. Carefully studying these shortcomings means protecting your money from possible negative consequences.
In addition to the contingent features that can turn out to be both disadvantages and advantages, there are those that can only be disadvantages. The most tangible of these is the low interest rate.
Possibility to incur losses
Changes in exchange rates can be more than beneficial. If the deposit was opened shortly before a strong depreciation of the selected currency, its owner will incur losses. In the case of the US dollar, this is unlikely, since deposits are usually long-term, and its rate is likely to strengthen in this perspective.
Nevertheless, an unfavorable scenario for the development of events remains possible, since the economy of any state (and hence the value of its currency) can be negatively influenced by such factors and events that it will not be able to withstand. Therefore, in order for foreign currency deposits in banks to bring only benefits, certain financial solutions should be applied.
Lower rates
Interest rates on foreign currency deposits are usually lower than on ruble deposits. Sometimes significantly lower. The amount of charges may be much less. The choice of the former will be justified in case of financial instability, and in the absence of such, the depositor will simply miss the potential benefit in the form of higher interest.
For comparison: opening foreign currency deposits in Moscow, depositors can receive 4-8% per annum. Somewhat less often - 8-9% (the data is relevant for those who are interested in the US dollar). Interest rates on ruble deposits offered by Moscow banks fluctuate between 13-18% (information is current as of early March 2015). Thus, for making a profit only in the form of accrued interest, deposits in foreign currency are not very suitable. But they are out of competition as a tool for preserving finances during a crisis.
Alternative solutions
Such ambiguity in the advantages and disadvantages can confuse many investors. Or even get them to make the wrong decision. Nevertheless, the best option still exists. Its essence is the opening of two or more deposits in different currencies. All personal savings should be divided into two halves. One of them needs to be invested in rubles, and the other in currencies of other states. The euro and the US dollar are best suited for this. You can use both of these currencies in equal proportions. That is, keep 50% of the funds on a ruble deposit, and 25% each - in US dollars and euros.
Thus, the total amount of accrued interest will be averaged to the optimum, and the funds will not be depreciated in the event of an increase in the exchange rate of the Russian ruble, and in case of its strong decline. The same applies to the euro / dollar rate: the consequences of its changes will also be minimal.
The most profitable foreign currency deposits offer a number of advantages:
- the opportunity to receive additional profit with the growth of foreign money - in addition to the interest rate, you can count on an increase in market value, which will increase your fortune in ruble terms;
- the most advantageous offer for foreign currency deposits is not necessarily the execution of an agreement in US dollars or euros, you can choose the Japanese yen, British pound, Swiss franc, etc .;
- the minimum amount for opening an account often does not exceed 50-100 US dollars (euros, etc.), the maximum is practically unlimited;
- when you deposit more than 1000 units of foreign currency into your account, you can count on a free international plastic card, which is valid in all countries of the world, if you have ATMs;
- the ability to connect additional options - monthly capitalization, replenishment or partial withdrawal, etc.;
- an excellent option is also an offer to open a multi-currency deposit and store your savings in several currencies at once, diversifying risks.
Where to find the best option and how to apply?
Finding a profitable product among the many existing deposits is not an easy task even for seasoned depositors. However, now you do not need to search for a long time where the most profitable foreign currency deposits are in Moscow banks. Here you will find a rating of the best foreign exchange deposits in Moscow and you will be able to study all current offers. Don't miss the opportunity to choose the best option and increase your savings!
CreditZnatok specialists make sure that the rating of banks and deposits contains only up-to-date information on a daily basis - they monitor the current market situation, enter new data (when rates and other conditions change).
You just need to determine the desired level of profitability, the period for investing money and the amount with which you are ready to part for a certain period. Only profitable deposits from trusted financial institutions are presented on our website! This is a reliable way for everyone not only to keep their savings, but also to receive guaranteed regular profits!
It's not a secret for anyone that everyone has at least one formalized loan: many of us are accustomed to living “on debt”. However, recently the financial literacy of the population has been growing: we are starting to look for other options for optimizing and replenishing our budget. Foreign currency deposits in Moscow are becoming more and more popular. By transferring savings into foreign currency, they protect against depreciation of capital, and due to the interest paid, they allow you to receive income.
Interest on multicurrency deposits in Moscow
If you decide to open a deposit in foreign currency in Moscow, then do not rush to carry your money to the first bank, which promises a large income due to the highest rates on deposits in foreign currency. In fact, in order to assess the level of profitability of a deposit, it is necessary to study all the nuances of its functioning:
- You give the bank your savings (for each deposit, a minimum amount limit is set) for a certain period (there are options for perpetual deposits, which can be closed at any time).
- During this period, the bank is not only guaranteed to keep your savings in the established currency, but also actively uses them as part of its capital.
- As soon as you want to withdraw money, the bank takes it out of its turnover and gives it to you with interest in the currency of the deposit.
As a result, foreign currency deposits in Moscow banks should be considered in the aggregate of such conditions as the amount, term and interest that can be received precisely for the fact that the bank is able to use the amount on the deposit for a certain period. Therefore, the more comfortable the conditions of your multi-currency deposit in Moscow or a deposit in one foreign currency for the bank, the higher interest rates on deposits in foreign currency you can get.
Accordingly, high interest rates on foreign currency deposits in Moscow imply some restrictions for the client:
- since the bank has already planned that it will use your money for a certain period, it establishes a ban on closing the deposit earlier than this date;
- if suddenly the deposit is unlimited, then the bank still sets the period during which it must be warned about the closure so that it can painlessly get the required amount from circulation;
- during the term of the agreement, it is impossible to withdraw part of the money placed on the deposit.
For compliance with these conditions, the bank pays the highest interest, but for violation it can reduce the initial rate to the lowest possible. Therefore, carefully evaluate your financial capabilities before opening a deposit.
In which bank in Moscow is it better to open a deposit in foreign currency?
To open a multi-currency deposit or a deposit in one foreign currency, you will have to spend a certain amount of time searching and collecting all the necessary information on the options presented on the market (Sberbank, VTB, and almost all banks in Moscow work with deposits in foreign currency).
To find and choose your most profitable option for individuals' deposits in foreign currency in Moscow as quickly and effortlessly as possible, use special online calculators for foreign currency deposits in Moscow. According to your individual requirements, which you enter in the appropriate form, the system will select and show a full list of suitable options for deposits in 2020.
As a result, in one place for each current deposit option, you will receive the following information:
- the term of the deposit;
- interest rate (per year);
- total income (for a specified period: usually a year).
You can quickly make the right and informed choice, and then immediately submit an online application for a deposit in foreign currency, and proceed to registration.
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