Rates on dollar deposits. Interest rates on foreign currency deposits

The most profitable foreign currency deposits offer a number of advantages:

• the opportunity to receive additional profit when foreign money grows - in addition to the interest rate, you can count on an increase in the exchange rate value, which will increase your wealth in ruble equivalent;
• the best offer for foreign currency deposits - it is not necessary to draw up 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 (euro, etc.), the maximum is practically unlimited;
• when you deposit more than 1,000 units of foreign currency into your account, you can count on a free issuance of an international plastic card, which is valid in all countries of the world, subject to ATMs;
• the ability to connect additional options - monthly capitalization, replenishment or partial withdrawal, etc.;
• An excellent option is also the proposal 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?

Searching for a profitable product among the many existing deposits - not an easy task even for experienced investors. However, now you don’t have to search for long to find the most profitable foreign currency deposits in Moscow banks. Here you will find a rating of the best foreign currency deposits in Moscow and will be able to study all the current offers. Don't miss the opportunity to pick up the best option and increase your savings!

CreditZnatok specialists daily ensure that the ratings of banks and deposits contain only relevant information - they monitor the current market situation, add new data (if rates and other conditions change).

You just need to determine the desired level of profitability, the period for investing money and the amount you are willing to part with for a certain period. Our website presents only profitable deposits from trusted financial organizations! This is a reliable way for everyone not only to save their savings, but also to receive guaranteed regular profits!

Since you rushed to save your money from devaluation and chose American currency as a means of salvation, it would be nice to know which bank has the most profitable dollar deposits. But first, decide for yourself what you mean by benefit. When it comes to money, it is often inversely proportional to reliability. Which to prefer: or high stakes by deposits? Let's consider both options.

To obtain large earnings, many other financial instruments have been invented, and the deposit is designed to save savings from inflation and physical loss. Therefore, rates should not be the main selection criterion. And given the current uncertainty in the economy, ideally it is necessary to diversify risks - invest in different objects or at least keep money in different banks.

Since 2004, all deposits individuals are insured by the state. True, the amount of compensation is limited - currently up to 1,400,000 rubles (or the equivalent in foreign currency). If you need to invest an amount within this limit, you can safely open an account in any bank you like. The main thing is to check whether the bank is included in the deposit insurance system.

If you have more money, then there are two options:

• Break your savings into parts and open accounts in several banks.
• Open a deposit in one of the country’s systemically important banks.

A systemically important bank is an organization that the state will not allow to go bankrupt. No matter what happens in the economy, the bank will survive. But such banks have one drawback - the rates on deposits in them are more than modest. They can afford it because people are sold on reliability. In turn, less stable organizations offer more favorable conditions to attract customers.

Those who chose the wrong moment to open in the early 90s of the turbulent twentieth century will now disagree and say that there are no banks that you can completely rely on. But no financial crisis can compare with the change in the economic and political structure of the country. These two situations are not comparable and cannot be compared.

Therefore, your task is to determine for yourself whether reliability or the bet is a higher priority for you. In the meantime, we will tell you about the most reliable and most profitable dollar deposits today.

The Central Bank presents the following list of systemically important banks: Sberbank, VTB, Rosselkhozbank, Gazprombank, UniCredit Bank, Raiffeisenbank, Rosbank, Alfa Bank, FC Otkritie, Promsvyazbank.

Promsvyazbank

Interest rates indicated taking into account capitalization. If you open, then interest rates, although slightly (by about 0.25 percentage points), are still higher.

Gazprombank

*The Gazprombank deposit requires mandatory investment of funds in a mutual fund.

RAIFFEISENBANK

Interest rates are given taking into account capitalization.

In addition to regular deposits, Raiffeisenbank offers comprehensive products. This is when, simultaneously with opening a deposit, you invest your funds. Part of the amount is deposited into the account, and part is sent, for example, to purchase shares investment funds. The income on the deposit is fixed - in the amount of the established interest rate. Investment income depends on a combination of circumstances. You can gain a lot, or you can lose everything. But currently, comprehensive programs are only opened

Separately, we note the “Triple Benefit” product, which is still quite relevant, because it opens in three currencies at once (rubles, dollars, euros). Deposit terms are 6 and 12 months. The minimum total deposit amount at the Bank of Russia exchange rate on the opening day is 1 million rubles, with the share of the ruble portion being at least 50% of the total amount. Maximum rates (with capitalization): rubles - 4.0%, dollars - 0.7%, euros - 0.2%.

The banks that we will now name are not included in the list of systemically important ones. But this does not mean that they are unreliable. In addition, they are part of the deposit insurance system, and you do not risk anything. However, we do not recommend opening a deposit in excess of 1,400,000 rubles (or the equivalent in US dollars). Especially considering the active purge that the Central Bank continues.

And also, when you contact your chosen bank directly, check again whether the money is insured. It is rare, but it happens that the Deposit Insurance Agency excludes a particular bank from the system if the activities of this organization are considered risky or raise other concerns.

Renaissance credit

Investtorgbank

Verkhnevolzhsky (Moscow branch)

Moskommertsbank

Tauride

BCC-MOSCOW

Current as of March 2018.

Due to the difficult economic situation that has developed in the country over the past decade and led to sharp fluctuations in exchange rates, for many people deposits in dollars in Moscow remain more preferable than a similar banking product in Russian rubles.

Under what conditions are dollar deposits made in Moscow?

All banks, without exception, currently adhere to the position that interest on dollar deposits is kept at a very low level, around one or two percent. This is due to the fact that deposits in Moscow banks in dollars bring their holder profits not only in the form of interest, but also due to changes in exchange rates. IN last years There was a steady increase in the exchange rates of foreign currencies, including the dollar, against the national currency. Consequently, storing your savings in foreign currency allows you to save them from depreciation. This is why deposits in dollars in Moscow remain a popular service, even with very low interest rates.

The term for registering a deposit in Moscow may vary: it ranges from one month to several years. When choosing the appropriate option, it is important to pay attention to additional conditions that affect the final return on the deposit, namely:

• presence of a commission;
• possibility of replenishing the deposit;
• the right to partial withdrawal of funds;
• providing benefits to certain categories of citizens.

In which bank in Moscow should I open a deposit in dollars?

Despite the generally low level of interest rates, the choice of a bank in which you plan to open a dollar deposit in Moscow must be approached as carefully as possible. This is due to the fact that, firstly, even a small difference in interest with a significant deposit amount leads to significant financial losses. Secondly, additional conditions under which the deposit is opened also play a role (including the presence of commissions, restrictions, capitalization of interest, and so on).

Fortunately, the online deposit calculator in Moscow allows you to quickly find a suitable option in one place. To do this, it is optimal to use our portal, which acts as the most convenient resource for those who are interested in profitable deposits in dollars in Moscow. The advantages of visiting our website when searching for a suitable offer are obvious:

• it is possible to set the amount and term of the deposit, on the basis of which the profitability is automatically calculated;
• the presence of filters that allow you to select only those offers that meet specified conditions;
• the data in the table can be sorted by any criterion;
• offers are grouped, including by banks;
• You can submit an online application for a deposit.

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 most high 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 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.

Do you want to make a bank deposit for 1 month in US dollars, but do not know which financial institution currently provides the most favorable interest rates in Moscow? This problem is relevant for many residents of the capital, because there are many financial institutions, and it is quite difficult for an ordinary investor to choose the optimal offer among them. Our service will help you decide where exactly to open a deposit in US dollars and euros. We have collected and regularly update data on what interest rates Moscow banks provide and under what conditions. Every day our clients have the opportunity to make profitable foreign exchange investments, save their own funds and significantly increase them.

To find out the highest percentages of banks, or the conditions for the provision of services by financial institutions, use the special search form on this page. You can receive an answer to your own queries only after entering the following data:

• the amount of the deposit that is planned to be opened;
• the name of the banks for which you would like to receive information;
• name of the locality where you want to open a foreign currency deposit;
• deposit currency (euros, dollars);
• longest investment period (1 month, year, etc.).

You can sort the results (set a rating) by interest rate, time, deposit size. After entering all the necessary parameters, click the “Find” button. As a result, you will receive all the necessary and relevant information for today, which will allow you to make profitable deposits in dollars in banks in Moscow and other cities of the Russian Federation.

Advantageous bank deposits in US dollars

Based on the search results, you will find out the existing rating of financial organizations that offer the greatest bank interest and the best conditions for cooperation. By comparing such data, you can choose the best offer for yourself. After selecting a bank, you should click the “Apply” button to submit the appropriate application. Soon, after a quick review, a bank representative will contact you to clarify all the nuances of cooperation.

Our ratings include only verified banking organizations that have been providing financial services for more than one year in Moscow. Remember, by choosing the highest deposit percentage, you not only take care of the safety of your own capital, but also significantly increase your funds. Money that is placed on a short-term deposit (for example, 1 month) will allow you to quickly earn a certain amount. With a long-term deposit, the amount is guaranteed to remain completely safe and will increase in proportion to the interest rate.

Benefits of using Creditznatok for your own benefit

Today we are best service monitoring of existing banking offers, which allows you to quickly determine favorable interest rates of banks on dollar deposits. To provide only relevant information, we analyze the current situation in the financial services market on a daily basis. Every citizen of the Russian Federation can use our portal for their own purposes. By comparing deposit rates in US dollars and euros, you can significantly enrich yourself without special effort. It should be understood that currency fluctuations, with skillful management of financial resources, are used to increase the capital itself. The current interest rate on deposits will help you choose the bank with the most favorable conditions. Creditznatok specialists work to satisfy the financial needs of every resident of our country.