80 percent rates. In which bank should I open a deposit at a high interest rate? From the period of placing money in the bank

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money that you can use at your discretion. different ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since interest on deposits in Moscow largely determines how much of the deposit will be added to the original one, many consider them the most important condition for the deposit and, on this basis, make the choice of program and bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profits. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• permanent or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow before the deadline;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits is accrued individuals in Moscow daily, but may differ from each other by the presence of capitalization.

Which bank in Moscow is better to open a deposit in?

In 2020, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

The deposit calculator on this page will help you quickly obtain all the necessary information on current deposits:

1. Enter your deposit requirements.
2. Get full list current deposits in Moscow banks updated for today.

After this, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

A contribution or so-called “deposit” is cash, which the client places in 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 (possibility of replenishment, partial withdrawal without loss of interest, monthly interest payments on the card, etc.).

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

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

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

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

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

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

What contribution should a pensioner, student or middle-aged person choose? The “Deposit Selection” form will help you choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

In 2020, to date, among deposits in banks in Moscow, the most profitable high percent in rubles at the deposit Deposit at the top (with NSZH) Gazprombank in Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit Moscow with a maximum rate in rubles.

The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit with the maximum interest rate for today, in 2020.

A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income on it, and also have quick access to it if necessary.

Most deposits that are issued at maximum interest rates have common features. They cannot be replenished, and partial withdrawals of money without loss of interest are also prohibited. The only exception is 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 interest rate that the bank offers. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their breakdown by terms:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that it works, many are wondering: which bank has the highest interest rate on deposits today. But when opening a deposit account in a bank, you should pay attention not only to the interest rate, but also to the conditions of this deposit, such as minimum amount and deadline.

Deposit calculator

Deposits at maximum interest rates in top 10 banks

"Advantageous approach"
ICD

For those who open an IIS
No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"Profitable"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"Reliable Promo"
FC Otkritie

No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"My income"

Replenishment
No partial withdrawal
Capitalization at the end of the term
Interest at maturity

"150 years of reliability"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"For savings"
Gazprombank

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"Time to Grow"
VTB bank

No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"Victory+"

No replenishment
No partial withdrawal
Capitalization
Interest monthly

"Save"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

Deposits at maximum interest for 1 month

Deposits at maximum interest for 3 months

Deposits at high interest for 6 months

Deposits at high interest for 1 year

If you need to withdraw all the money from the deposit before the end of the term, you can do this at any time. However, interest will most likely not be accrued!

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 of such a bank is revoked, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of guaranteeing the safety of savings entrusted to the bank.

In short, if you invest less than 1,400,000 rubles, then you can choose highest interest rate on bank deposits– if the license is revoked, of course, you will have to be nervous, but the money will still come back.

Repayment of funds above the specified amount is not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on increased risk.

Find out the exact conditions and interest rates on deposits in branches or on the official websites of banks. The data is presented for informational purposes only and does not constitute a public offer.

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

Deposits from individuals - a traditional way of investing money

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

All these ways of making money bring quite high profits, but are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way investing savings in Russia.

Choosing the most profitable investment: what to pay attention to

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

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - 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 from the agency website tried to do this by studying the conditions of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable Russian banks 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 rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. The estimated amount was 1 million rubles. They also tried to exclude the so-called investment or complex proposals with the obligatory investment of money in insurance, mutual funds or shares. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

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

Credit Bank of Moscow

MEGA Online deposit

Replenishment / No partial withdrawal / No 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 accrued monthly.

Post Bank

Deposit "Capital"

No replenishment / No partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

“Save” deposit

Without replenishment / Without partial withdrawal / With capitalization / Monthly interest accrual in Moscow banks >>

Main types of deposits of individuals

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

✓ time 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 during this time you cannot take it back without losing interest or replenishing the account.

✓ replenished deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued.

Of course, in any unforeseen situation if you need money ahead of schedule When the deposit ends, you can always get them, but you will be sorry for the lost profits. So, when planning to make a deposit in a bank, it is better to decide in advance when you will withdraw the 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-renewal, capitalization and other conditions. The best interest rates on deposits usually involve risks and some inconvenience for the depositor.

This page contains a collection of banks offering maximum bets interest on deposits. To get acquainted with the best offers and programs in more detail, click the “Apply” 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 conditions 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 rate on deposits in Moscow and can now profitably manage your money.

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

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

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

It is easier to find profitable deposits at high interest rates in less popular small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over fast money. Additional advantages are convenient Internet banking, bonus programs, and 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 invest your funds profitably. 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 the need to pay a tax of 35% on the difference between the interest.

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