Bank deposits at high interest rates. Reliable banks with high interest rates on deposits

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 make 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 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 which are 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 / 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 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 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 (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

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

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

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

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

Investing money in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although 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 interest rate in rubles is the Deposit at the Top (with NSZH) Gazprombank in Gazprombank (JSC) - 8.10% per annum. Minimum amount deposit of 50,000 rubles with interest payment at the end of the deposit term. According to our data, this is the best bank deposit Moscow from maximum rate in rubles.

Why are deposits with monthly interest withdrawal profitable today?

Many people today talk about the need to create so-called “passive income”. Deposits with monthly interest accrual are one of the forms of obtaining such income.

They are also called “rental”, because their operating principle is similar to making a profit from renting out an apartment.

In order to receive 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 consider not only the interest rate, 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 offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles and for a period of 1 year.

Deposits with monthly interest withdrawal in banks from the top 10

Deposit “Simple and profitable”

Replenishment / Without partial withdrawal / Without capitalization / % monthly

Deposit “Fixed income”

Deposit "Profitable"

No replenishment / No partial withdrawal / Capitalization / % monthly

Contribution " Save»

No replenishment / No partial withdrawal / Capitalization / % monthly

Deposit “For Life”

Post Bank

Deposit "Profitable"

Replenishment / Without partial withdrawal / Capitalization / % monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals?

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

Are deposits with monthly interest withdrawal insured?

Yes. Individuals' funds held in bank deposits and accounts, including foreign currency ones, 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 established by the Bank of Russia on the day the insured event occurred.

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 the DIA (www.asv.org.ru), as well as via free hotline DIA 8-800-200-08-05.

Conclusion: deposits with monthly interest payments or capitalization?

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

✓ Deposits with capitalization are advantageous in that the real return on them is higher due to the constant increase in the deposit amount due to the accrual of interest.

✓ Monthly interest payments are necessary for those who plan to spend income from the deposit. This is an alternative to receiving 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 Victor Davidenko, an expert on the site on deposit programs.

Please 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 the basis for unambiguous conclusions about reliability and (or) financial stability the specified banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions made based on it.

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

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

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

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

A high percentage can be opened by citizens both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:

• minimum amounts.

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

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

DeloBank is a branch of SKB Bank operating online. It offers services for businesses. We will tell you in this article how to open a current account with DeloBank.

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• New Product

  Rossiya Bank presents the “Spring Mood” deposit

  Clients of Rossiya Bank have the opportunity to take out a seasonal deposit “Spring Mood” with a yield of up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be issued for a period from 31 to 367 days. The amount to be placed is at least 3 thousand rubles. Making additional contributions

  March 06, 2020

• Changes in rates

  Energobank has revised the terms of deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the “Pension Mood” deposit currently reaches 5.1% per annum. The minimum placement amount within the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the “Convenient” deposit is now 4.7% per annum.

  18 Feb 2020

• New Product

  Expobank presented the “Bright Winter” deposit

  Expobank's line of deposit services has been expanded with the seasonal product “Bright Winter”. The deposit is divided into 3 periods, for each of which an individual rate of return on placed funds is established: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. Minimum amount to be placed within

  10 Dec 2019

• Changes in rates

  Sovcombank revised rates on mortgages, deposits and the Halva card

  Mortgages from Sovcombank can now be obtained at a rate of 8.69% per annum. The amount of the housing loan is no more than 30 million rubles (can be increased on an individual basis). Loans are provided for terms of up to 30 years. It is possible to obtain a loan using two documents. The loan application is reviewed within 1 business day. For deposits

  19 Nov 2019

• New Product

  Roscosmosbank introduced new deposits for individuals

  Clients of Roscosmosbank can take advantage of two new deposit programs of a financial institution. The “Comfortable” deposit in the Head Bank and in the Cosmodrome - Plesetsk branch can be issued under the following conditions: Minimum placement amount - 30 thousand rubles or 500 dollars/euro. Deadline for placement of funds - 365 days.Maximum

  July 11, 2019

• Banking discussions

  RF Armed Forces: case of controversial deposits

  The Supreme Court did not agree with the manager’s arguments about the absence of an agreement between Belous and Ekaterininsky. At the meeting, the plaintiff said that he spoke personally with the president of the bank about opening deposits. In his office, he handed over the money and received cash receipt orders. He signed the contracts that were offered to him, and he

  May 03, 2019

• New Product

  "Renaissance" presents the "Double Benefit" contribution

  Bank "Vozrozhdenie" offers to open a deposit " Double benefit" The maximum profitability of the new deposit service is 7.98% per annum (including capitalization). The rate is provided when placing funds for 1 year. The minimum amount for placement is 50 thousand rubles. The “Double Benefit” deposit is issued after the conclusion of the agreement

  01 Apr 2019

• Current

  Last year, to attract investors, some Russian banks put profitable terms, and then “tightened the nuts.” This practice attracted the attention of supervisory authorities - the Central Bank and the Federal Antimonopoly Service, which prepared a joint letter of warning for credit institutions. Antimonopoly officials and the regulator find it wrong

  11 Jan 2019