Which bank has the highest interest rate on dollar deposits? Deposits in US dollars: where to look for the best rates

Opening a deposit in dollars at 5% is a simple matter. Such interest can be obtained in every second Russian bank, accepting foreign currency deposits. We have compiled a rating of banks that are ready to offer their depositors something more.

Banks with the most profitable deposits in US dollars

The rating includes banks that offer maximum interest rates on deposits in dollars for a deposit amount of up to $25,000 (equivalent to 1,400,000 state-insured rubles). It’s just a pity that not all of them work in Moscow - the capital accounts for the lion’s share foreign currency deposits.

Togliatti El bank- the undisputed leader in the rating with amazing interest on dollar deposits. Here you can count on a yield of 7% to 9% per annum - this is comparable to. The only disadvantage of El Bank is that it has offices only in the Samara region, Gorno-Altaisk, Kirov and Ulyanovsk.

The best dollar deposit in Moscow - “Currency Prestige” in United Credit Bank : minimum amount - $3000, placement period - 370 or 740 days and interest rate - 6.4% per annum. In addition to high interest rates, OKB provides the possibility of early termination of the contract with recalculation of income at a rate of 5%.

Hello, friends!

It just so happens that one of the most popular tools for preserving and accumulating savings of Russians is bank deposit. In recent decades, when waves of devaluation are sweeping our economy one after another, citizens are striving. Banks are willing to accommodate and offer deposits in US dollars, euros and some other currencies.

In this article we will review the most profitable dollar deposits in banks. But first, let’s define the investor’s requirements, which may influence the choice of a specific option.

Requirements for dollar deposits

The selection criteria will depend on the purpose for which you are opening a deposit. For example:

1. The goal is to maintain savings. In this case, deposits with high interest rates are suitable, but without the right to replenish and withdraw.
2. The goal is to accumulate. Then it is best to open an account with the possibility of replenishment.
3. The goal is to buy currency at a cheaper rate and resell it at a more expensive one. In this case, it would be a good idea to provide for the possibility of withdrawing money at any time.

To open a foreign currency deposit, they are no different from a ruble deposit. First of all, this is:

1. Participation in the deposit insurance system. Money in dollars is just as insured by the state as money in rubles. But the refund amount does not change, i.e. if the license of a financial institution is revoked, you will receive up to 1.4 million rubles in compensation (at the ruble to dollar exchange rate at that time).
2. Conditions for foreign currency deposits: interest rate, capitalization, replenishment and withdrawal, payment for SMS notifications, etc.
3. Availability of branches in your region of residence, if this point is important to you.
4. Customer reviews.

Let's look at the best offers from banks today for opening a foreign currency account.

Review of bank conditions

Rosselkhozbank

At Rosselkhozbank, I would pay attention to the deposit for individuals"Profitable".

The maximum interest rate is 4%. But you can get it for amounts over $25,000 for 1,460 days with interest paid on the last day of the contract.

The bank distinguishes 4 methods for registering a deposit, on which the rates depend:

1. Online with interest paid at the end.
2. Online with monthly payment or interest capitalization.
3. At the bank's office with interest paid on the last day of the agreement.
4. At the bank's office with monthly payment or capitalization of interest.

Other deposit conditions:

• there is no possibility to replenish and withdraw;
• the minimum amount starts from $50;
• period from 31 to 1,460 days;
• The investor can choose the method of interest payment: at the end of the agreement, monthly to the account or.

VTB

VTB Bank offers to open a “Profitable” deposit. An amount of $500 or more will bring a maximum return of 3.5% for 395 – 545 days.

Interest is accrued monthly and remains on the deposit (capitalized) or transferred to the account. Hence there are two different interest rates: nominal and effective. Let me remind you that the effective rate is the rate taking into account previously accumulated interest.

Dollars cannot be withdrawn or deposited. If the contract is terminated early within the first 181 days, the income will be equal to the rate on a demand deposit. But, if you withdraw money after 181 days, you will receive 0.6 of the contract rate.

One more nuance when opening a deposit with VTB. If you do this online, the minimum amount is $500, if in a branch - $3,000.

Binbank

Binbank and its “Maximum Interest” of 3.5%, which can be obtained for an amount of $300 or more after 367 days. Interest capitalization is not provided, income is paid only at the end of the term.

Unfortunately, the bank's allowance for ruble deposits for pensioners does not apply to dollar savings.

Bank opening

In Otkritie you can store dollars in your account using the “Basic Income” tariff. Minimum amount starts from $1,000. The profitability is shown in the table. Please note the 2 bet values. The first is income taking into account capitalization, the second is without taking into account capitalization.

The remaining conditions are similar to the tariffs of the banking institutions discussed above:

• cannot be removed;
• cannot be replenished;
• can be opened online or in the office;
• income is accrued monthly, it can be withdrawn or left on the account for further capitalization and increasing profitability.

Credit Bank of Moscow

ICD offers to save for a dream using the “Dreams” deposit. The minimum amount is $1,000, the maximum is $300,000. Interest rate is the same and amounts to 3.35% per annum. During the first 190 days of the contract, you can deposit additional money, but partial withdrawal not provided. There is no capitalization of income either.

Gazprombank

At Gazprombank “Doors are open” for amounts starting from $1,000. Duration from 91 to 1,097 days. The maximum rate is 3.25% and does not depend on the amount of money in the account, only on the duration of storage.

The conditions are quite strict:

• there is no possibility of replenishment and partial withdrawal,
• No ,
• income is accrued only at the end of the term,
• The saddest thing is that there is no way to open a deposit online.

Alfa Bank

The Pobeda+ deposit from Alfa-Bank allows you to save and increase an amount from $500 for up to 3 years. The interest rate depends on. For example, in the “Economy” package its maximum value will be only 2.81% for an amount up to $10,000, in the “Optimum” package – 2.86%, “Comfort” – 2.97%, “Maximum+” – 3, 08% and “Alpha Private” – 3.19%.

You don’t have to connect any service packages, then the profitability will be minimal – 2.76%. These values ​​are given for the longest contract duration, 3 years, and taking into account interest capitalization.

It is more convenient to use the calculator on the website.

The calculator shows that a top-up option is available, but the rates are very low and not worthy of consideration in this article.

Other banks

Our list above did not include, for example, such popular financial organizations as Sberbank and Post Bank. In the first case, the yield on a foreign currency deposit is very low if you compare it with other banks. Look at the table.

True, special conditions apply for pensioners - maximum bet regardless of the amount. But even in this case the income is very small.

It is impossible to make a foreign currency deposit at Pochta Bank, only in rubles.

I was surprised by Raiffeisenbank, which has rates on dollar deposits of only 0.01%. It is possible to open a multi-currency account, but even there the conditions are not much better - 1.5% per annum. At the same time, at least 50% of the money must be kept in rubles.

Another outsider is Promsvyazbank. You will receive a maximum of 1.55% return on your dollar account.

Conclusion

Almost until the end of 2017, rates on dollar deposits were at a very low level (up to 1%). Since October 2017, Sberbank has increased its yield in foreign currency for the first time in a long time by several points. And the rest of the banking market players immediately joined in.

This growth continued in the fall of 2018. The fact is that low rates led to a loss of interest in deposits on the part of the population. The outflow of capital into more attractive instruments began. Therefore, banks began to change their policies regarding not only ruble but also foreign currency deposits in the direction of increasing their profitability. After the Central Bank increased its key rate to 7.5%, the trend towards increasing bank rates only intensified.

I can’t help but ask our readers, do you have savings in foreign currency or do you use other tools for saving and increasing money?

Deposits in dollars are reliable and convenient way increase of funds. Many citizens prefer to contact financial institutions when they need a large amount of money. In most cases, this is due to the purchase of an apartment, car or household appliances. In addition, an account in dollars is great option protection of funds. Our website contains many different programs that will help you achieve your goals. Resource specialists constantly update information and correct it in real time. Guests of our resource have the right to start searching for a program at any convenient time.

Benefits of using the site

Clients of our service are always looking for profitable financial offers. To save them time and money, we have created several useful systems:

This is a fairly convenient way to search for great deals. In order to select a program, you need a stable Internet connection and a smartphone or laptop.

Despite the fact that most deposits today are opened in rubles, in US dollars they are still very popular in Russian market. The latest crisis forced many Russians to transfer their savings from American currency to domestic currency, but banks continue to offer dollar programs, understanding their demand.

In the “Deposits” section, you can compare offers from various credit institutions and choose the most profitable deposit in dollars. The Banki.ru portal presents almost all bank deposits in dollars, so making a choice is quite easy. It is enough to make a small comparison of the main parameters of the offered deposits and select the most profitable deposits in dollars.