Show interest rates on the deposit. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals

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Wanting to receive a stable, albeit small, income, citizens who have certain savings are increasingly trying to open a deposit in various banks. For most investors, the most important indicator when choosing a funded program is the interest rate. However, there are a few more significant nuances that you should pay attention to when choosing a deposit product. About what to look for, and in which bank high interest rates on deposits, we will tell in our article.

It so happened that the majority of depositors, when choosing a deposit program, pay the main attention to the interest rate. And this is the biggest mistake. But what about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their investors without the promised income and without their own savings too.

It is for this reason that the first thing the client should pay attention to is the reliability of the bank. Reliability is tested by the stability of the financial institution, guaranteed payments on deposit transactions, as well as market leadership banking services. As a rule, it is the large banks that long years cope with all crisis situations, rightfully become the most popular among the population.

Of course, you have to pay for security. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the probability of receiving the planned income increases significantly.

Important! An additional guarantee is the state support of those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of the bank's bankruptcy. Therefore, first of all, when choosing a bank for making a deposit, you need to pay attention to whether the bank has a state deposit insurance license.

Additional Criteria

We figured out the reliability, now let's decide what else should be considered when choosing a deposit.

1. Interest. For some, this indicator will be in the first place, but it is still better to consider it after choosing the most reliable bank. So, among the leaders of the financial services market, there are not so few banks that are ready to offer their depositors a fairly profitable deposit. A good interest rate today fluctuates between 8-8.3%. Of course, you can find better interest rates, but the conditions may be too harsh for those who want to invest.
2. Possibility of early partial or full withdrawal of money. This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract term of six months to a year. These are the most profitable and not too long-term programs, because there are always risks of an economic downturn and an unexpected bank failure. However, there are times when there is no opportunity to wait for the deposit to expire, and money is needed right now, then you need to clarify whether you will have the opportunity to withdraw your hard-earned money on demand:

   Important! It is also worth paying attention to the amount of lost profit in case of early termination of the deposit agreement. After all, some banks almost completely take away the accumulated interest, even if the deposit has aged almost the entire agreed period.

3. Capitalization of received profit. Another important indicator is the possibility of capitalization of the income received. That is, the agreement may provide for the automatic consolidation of the principal amount of the deposit with the interest due on time, and the accrual of the following interest, already taking into account the increase in the size of the main deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise interest calculation. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
4. Deadline for making a deposit. This factor is also significant, because often, banks offer very decent interest only on short-term deposits. For deposits with a term of one year, the percentage becomes slightly lower.
5. Required input amount. Most depositors are confident that they can put any amount they have at interest. However, this is not the case. Of course, there are banks that do not care about the size of your savings that you want to put at interest, but most set a threshold for the deposit. Moreover, the larger this amount, the greater the percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to turn over the money it has. Accordingly, their profit depends on it.

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Which banks have the highest interest rates?

So, as we have already decided, the most important factors when choosing a deposit program are the reliability of the bank and the interest rate. We will not compare interest rates from banks with a dubious reputation, which simply want to attract customers as much as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not fall apart until the time comes to collect the accumulated interest? Do you run the risk of being completely without money?

Perhaps everyone who is thinking about investing money is looking for a deposit at a high percentage. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete. It is also important to take into account such a factor as risk.

Attention: the most actual information about current rates and conditions - (updated weekly).

As is known, State System deposit insurance guarantees each depositor of a bank participating in this system the safety of savings in the amount of up to 1,400,000 rubles. However, here is what a potential contributor needs to remember.

1. Most reliable bank- this bank is not only large, but also the least risky. Lending institutions with the participation of the state are the least inclined to risk - and our people are used to trusting the state somewhat more than private business. It is no wonder that it is banks with state participation that top the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also "win" in terms of accessibility for depositors. Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB.
2. Private banks from the Top 50 are the choice of people who, more trusting in private capital, prefer a high return on deposits. The fact is that these banks vigorously issue loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation). Among the most popular banks in this group, we can mention Home Credit Bank, Russian Standard, and MTS Bank (places from 18th to 38th in the rating of banks in the Russian Federation). Now let's look at what the banks mentioned above offer their depositors in February 2019 .

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Now Sberbank:

1 seasonal deposit "Catch the profit" - from 7.1% to 7.65% per annum;

8 time deposits in rubles and dollars (up to 5.75% on the "Save" deposit in rubles);
- 6 deposits for owners of Sberbank First and Sberbank Premier service packages - Leader Save, Leader Replenish, Leader Manage and Special Save, Special Replenish, Special Manage. Rates in rubles - from 4.70% to 6.85%, in US dollars - from 0.90% to 3.40%, in euros - 0.15% -1.0%.

3 online deposits in rubles and dollars (rates are higher than for term deposits, on average by 0.25%);
- 3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible. It is possible to choose replenishable and non-replenishable deposits, with different interest payment schemes (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “on the shoulder” for any person.

VTB

This bank offers several deposits on various terms (we can say that they are about the same with VTB as with Sberbank):

Seasonal deposit "Growth Time", opened until April 30, 2019 for 180 and 380 days, with a maximum rate of 7.60% (with online opening - 7.70%). With the amount of purchases from 75,000 rubles on the VTB Multicard, the deposit rate may increase to 9.2% per annum.

3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 2.50% to 7.16% per annum in rubles, from 0.01% to 3.56% - in US dollars, in euros - 0.01 %-0.96%.

3 deposits opened remotely in the Internet Bank - Comfortable-online, Savings-online and Profitable-online at the same rates, but with a lower initial investment amount.

Savings deposit with flexible conditions in rubles. VTB Multicard holders have the opportunity to open a Savings Account at rates ranging from 4% to 8.5% per annum, with the interest rate depending on the monthly amount of purchases on the Multicard.

Gazprombank

This bank has a variety of offers on deposits: there is an investment one, including investments in mutual funds (up to 8.2%), savings deposits for various purposes in rubles (up to 8.0%), dollars (up to 3.25%) or euros (up to 0.40%). A deposit is also offered for pensioners at 6.8% 7.5% in rubles, 1% -2.05% in dollars and 0.01% -0.35% in euros. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (maximum rates - up to 8.55% in rubles, 4.50% in dollars), 2 pension savings programs (up to 6.85%). Some deposits are standard savings accounts, the maximum rate for which reaches 6.45% in rubles, 3.40% in dollars, 0.65% in euros. Interest rates here are higher compared to some other banks, and the placement conditions are wider - interest at the end of the term or monthly, with replenishment / without replenishment, with partial withdrawal / without withdrawal, that is, for every taste.

Russian standard

This bank offers 6 deposits with a variety of interest payment schemes: the depositor has plenty to choose from. Rates on deposits in rubles - from 6.0% ("Universal") to 7.5% per annum ("Maximum income +", "Pension!"), And in foreign currency - up to 1.0% on the deposit "Maximum income" . Capitalization is not offered in most deposits, and the conditions are not the most flexible - this is a logical "fee" for a depositor for a high income.

Home Credit

Home Credit offers: two foreign currency deposits: up to 2.50% in US dollars and up to 0.5% in euros, several ruble deposits with different conditions: from 5.5% to 8.0% per annum, 2 deposits for pensioners can be opened in Russian rubles (from 6.2% to 7.7% per annum), another deposit in rubles can be opened at 7.7% per annum, having an amount of 1 million rubles. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and deposit funds for a period of 2 to 24 months.

MTS Bank

MTS-Bank offers 9 deposits in rubles/dollars/euro, including investment and pension deposits. Rates in rubles from this bank are in the range of 5.0-7.8%, and in foreign currency - from 0.01% to 3.30% per annum. You can choose a deposit with the most flexible conditions at a good percentage. An additional 0.25% to the base rate can be received by clients opening a deposit in the Internet bank, as well as payroll clients - with a deposit amount of 50,000 rubles or more.

Thus, it is most profitable to put money on deposit in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured.

High-interest deposits in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit). But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your deposit not only profitable, but also convenient in terms of using money.

Updated February 2019.

Contribution - or the so-called "deposit" - is cash, which the client places in the bank to protect and increase his capital.

The higher the interest rate of a bank deposit, the greater the potential income. The best interest rates on deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals 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).

Both small and larger reliable banks in Moscow in 2019 offer several additional features for term deposits and deposits:

• partial withdrawal and replenishment of funds on a deposit account gives the client the opportunity to use the money without breaking the contract with the bank;
• capitalization is the monthly accrual of interest on the deposit account. That is, future interest is calculated not only on the amount of the initial deposit, but also on the interest already added;
• automatic prolongation - automatic extension of the contract if the depositor does not withdraw the deposit at the end of its validity period.

To make the best deposit in rubles or foreign currency, consider these three points.

Depending on the currency used, time deposits are divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). The best in terms of interest rate returns in Moscow banks are offered in Russian rubles.

Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in the city of Moscow, even in times of crisis. Although the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income with an increase in the exchange rate against the ruble. So you can get the best income from the deposit in 2019.

Most Russian banks offer foreign currency deposits in dollars and euros. You can also place savings in British pounds sterling, Swiss francs, Chinese yuan and Japanese yen. You can compare currency quotes on our website in the "Currency rates" section. However, there are few offers of deposits at a good interest in these currencies, since the demand for them is low.

And yet, what kind of contribution should a pensioner, student or middle-aged person choose? Our form will help you to 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.

To date, in Moscow, the highest interest rate in rubles has a deposit At the top (share in the NSZh 30-99.9%) in the bank Gazprombank (JSC) - 9.50% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. It can be called the best deposit in rubles.

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period of time. 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 reliability of the bank, auto-renewal, capitalization and other conditions. The best interest rates on deposits are usually associated with risks and some inconvenience for the depositor.

This page contains banks offering the highest interest rates 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.

Creditnatok is a service that allows you to select deposits with the highest interest rate or the most favorable conditions with a variety of offerings. 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 will be able to profitably manage your money right now.

Analysis of profitable offers

Offers that provide for the possibility of capitalization allow the most profitable investment. Income is accrued every month, and in the next period the interest is calculated on the new increased amount. Among the best profitable offers can also be identified:

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

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

Profitable deposits at a high percentage are easier to find in less promoted small banks. Having an impeccable reputation, large banks do not need the most high stakes to attract investors - many of them choose reliability and stability instead of quick money. Additional pluses are convenient Internet banking, bonus programs, the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page banks that offer the highest income and allow you to invest money profitably. You can choose a suitable bank according to several criteria: high income, term, deposit amount, currency. It should be remembered that a higher rate, exceeding the refinancing rate by 5 points, will entail the payment of 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"!

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• New Product

  Post Bank presented the "Maximum" deposit

  Until the end of June this year, Post Bank customers can open a promotional deposit with a yield of up to 7.4% per annum. The maximum rate is provided to pensioners, "salary" and "active" clients of a financial institution, as well as when making a deposit through remote channels banking services(mobile- and online-bank).Deposit "Maximum"

  07 May 2019

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  26 Apr 2019

• Changing rates

  Far Eastern Bank revised deposit rates

  Rates on deposit programs of the Far East Bank have increased. The maximum yield of the High Income deposit is currently 7% per annum. The rate is provided when placing funds in the amount of 1.4 million rubles for 18 months. The minimum amount for placement is 3 thousand rubles. The deposit is allowed to be replenished. The deposit "High

  05 Apr 2019

• Changing rates

  Gazprombank raises deposit rates

  Gazprombank makes corporate deposits more attractive. The marginal rate of return on the "Your Success" deposit increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum amount of placement is 300 thousand rubles. The deposit is non-refundable. extradition

  27 Feb 2019

• New Product

  VTB introduced a new deposit with increased yield

  VTB Bank's assets include a new deposit service, Vremya Growth. The maximum profitability of a promotional deposit is 8% per annum. Income is allowed to be capitalized. Both existing and new clients of the credit financial structure at bank offices, as well as through remote banking channels.

  14 Feb 2019

• Changing rates

  Bank "Ring of the Urals" increased the rates on deposits of individuals

  Koltso Urala Bank offers retail clients to place a deposit at a rate of 8.2% per annum. This rate is provided to new clients of the financial structure within the framework of the Steady Growth deposit program, subject to two conditions: free funds must be placed for a period of 271 to 360 days, the depositor must issue in

  28 Dec 2018

• New Product

  Transcapitalbank offers to issue a "Holiday" deposit

  “Festive” is the name of the new deposit of Transcapitalbank. The maximum rate within the tariff plan is 7.75% per annum. To receive the rate, depositors must make a deposit for 420 days. With the placement of funds for 210 days, the rate on the deposit will be 7.5 percentage points. The minimum amount to be placed within the deposit

  20 Apr 2018

• New Product

  RGS Bank presented the "Optimal" deposit

  “Optimal” is the name of the new deposit service of RGS Bank. The deposit is a "ladder" deposit - the placement period is divided into 4 periods, for each of which an individual rate is set. Each period is equal to one quarter (90 days). The yield is 8%, 6%, 5.5% and 5% per annum, respectively. Interest is credited to the deposit account

  09 Apr 2018