To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce the search time, you can use the help of our site. Here are collected offers for investments with high interest rates on deposits in. But this is not the only parameter for successful cash investments.

To use capital today profitably, it is not enough to find a deposit at high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will make it possible to use the initial contribution more efficiently. An important point - is it possible to withdraw money from the account ahead of schedule? And if so, is the accrued interest retained? Or will they burn?

How convenient is the search for deposits in Moscow on the site?

Here you can find deposits not only in rubles, but also in other currencies popular for investment - euros and dollars.

On our portal, you can compare the conditions of different credit institutions of the city - interest on deposits in Moscow banks, terms, the possibility of replenishment and capitalization of interest. In addition, you can learn about the deposits of other major cities in Russia. To find a suitable option you need:

• set up search filters;
• choose from the proposed options suitable;
• send an application or call the bank for more information.

Deposits in Moscow at high interest in 2018: compare the rates and conditions of the most profitable bank deposits today for individuals, including pensioners.

High interest deposits in Moscow banks – 2018

Deposits of individuals are by far the most popular and demanded way of investing money. Giving our savings to banks, we hope not only to save, but also to increase our funds. Therefore, we try to choose such deposits, where the interest rates are the highest and the conditions are the most convenient.

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

Term deposits with maximum interest. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot withdraw the money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.

Refillable deposits. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw at least a little money from the account and not lose income.

Spending deposits with partial withdrawal of funds without loss of interest. Such deposits have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged in this case.

The most profitable deposits in Moscow in rubles in 2018

In this comparative table, we have collected ruble deposits of individuals with the maximum interest rates offered by Moscow banks today.

Bank International Financial Club Deposit "Confident Choice"

Natsinvestprombank Deposit "Choice of Success"

• See what interest rates on deposits it offers today

Bank ZENIT Deposit "Dessert (online)"

Bank Klyukva Deposit "My Profitable"

Bank standard-credit Deposit "Term-Lux"

Inkarobank Deposit Time of Discoveries

• See the conditions under which you can open a bank deposit today

Ziraat Bank Moscow Term deposit

Bank Novy Vek Deposit "VIP Replenish"

Inkarobank Deposit "High Interest"

Deposits in Moscow at maximum interest in dollars

In this comparative table, we have collected dollar deposits of individuals with the maximum interest rates offered by Moscow banks today.

Bank Saint-Petersburg Deposit Strategist online

SMP Bank Deposit "Strategy"

Binbank "Contribution to the Future (Cumulative Insurance)"

Alfa-Bank Deposit Pobeda+ (Maximum+ package)

Inbank Deposit "Maximum"

Bank Tauride Deposit "Tavrichesky Maximum (online)"

Vostochny Express Bank Deposit "Vostochny (tariff zone 1)"

Promtransbank Deposit "Terms in foreign currency"

Mosoblbank "Personal" deposit

In which bank of Moscow is it better to open a deposit

Choosing a bank in Moscow for making a deposit, today you should first of all evaluate the size of the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is immune from a fall. Of course, except for systemically important banks, which the Central Bank is likely to rescue in any case.

Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so it is possible to get your money back even if the bank bursts.

How to open a bank account

In pursuit of a high percentage, now you can secure your savings by choosing not even the most reliable bank for a deposit. Today, it is more important to correctly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the amount that the DIA will return to you in the event of a license revocation. It is better to break a large amount into parts and spread it over several banks in Moscow at the most favorable interest rates.

You should also not open large deposits in the same bank for yourself and close relatives. In the event of an insured event, you may be accused of allegedly trying to deceive the DIA in this way.

It is also important to make sure that your deposit is really open and accounted for in the bank's accounting department, and not taken off the balance sheet (such cases have already happened), otherwise it will be difficult to prove the presence of a deposit.

The best interest on deposits in Moscow

When choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawals. It stops at deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If it seems to you that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are fixed-term bank deposits for six months or a year. You can make a deposit for this period to get the most high stakes, and then withdraw the money and put it back, perhaps already in another bank in Moscow, which at that time will offer a more favorable percentage.

Investment deposits in Moscow with maximum interest

Fighting for customers' money, banks in recent times Increasingly, they offer so-called investment deposits. According to their terms, the client simultaneously with the registration of a bank deposit, acquires, for example, securities or transfers a certain amount to a mutual fund. The interest rate on such deposits is usually higher than on others. But before you get tempted by a large income, check whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or it is better to choose a less profitable way of investing money, but more reliable.

Profitable deposits in Moscow banks with higher interest rates

Picking up the most favorable deposit, specify the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a surcharge to the interest rate.

In addition, deposits in Moscow banks for premium clients have an increased percentage. Purchasing benefit packages can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions on your account, sometimes it is enough to purchase a platinum card, which can be really convenient for you.

In a word, if you want to invest a large amount, then compare what will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles in a reliable bank with state participation.

Learn more about the conditions and interest rates of the best deposits of individuals in Moscow today on official websites or at bank branches. The information is not a public offer.

The Bank of Moscow periodically holds promotions with increased interest - do not miss your chance to significantly increase your savings. It's no secret that VTB Bank and the Bank of Moscow have merged, but the latter's products look preferable (at least for now).

All bank deposits are insured by the State Law, so the amount up to 1.4 million rubles will be returned to you in any case.

1. The "Seasonal" deposit program - a promotion with an increased percentage

An excellent promotional product, with an interest rate of 7.5% to 10.00% per annum.

The deposit is opened for a period of 400 days, only in Russian rubles. We have already met deposit programs more than once, where the term is divided into periods, and in each such period of time, its own rate operates.

In the "Seasonal" product, the entire term of the deposit is divided into 4 periods with different rates (see table). To find out the effective rate on the deposit, we add up the percentages of all four periods, and divide by 4. As a result, we get 8.12% per annum.

It is this figure that must be entered into the calculator for calculating the profit on the deposit.

The minimum deposit amount is 100 thousand rubles. Deposit without replenishment and partial withdrawal.

There are preferential conditions for early termination of the contract. If you withdraw the deposit with a term of 100 days or more, the rate of 7.50% per annum remains ( preferential rate termination).

Upon termination of the contract for a period of up to 100 days, interest is paid at a rate of 0.01% per annum (at the "Demand" rate), i.е. unfortunately they burn out.

2. Deposit program "Maximum income" - with monthly interest payment

In this program, you can get the maximum rate, among all the "products" of the Bank of Moscow - up to 8.46% in rubles.

It should be noted right away that the rate will be higher when opening a deposit through the Internet Bank (or ATM). Opening through bank offices is also present, but the rates there are 0.3% per annum lower.

Interest can be withdrawn monthly, or sent for capitalization (interest is calculated on interest).

The minimum amount is 1,000 rubles. Term - from 91 to 1095 days.

The value of the interest rate depends on: the method of opening, the amount of the deposit, the term of the deposit, the method of paying accrued interest (monthly, or capitalization).

One more small nuance. The Bank of Moscow gives its "payroll clients" and pensioners a bonus - the deposit amount is not taken into account, and is even given for a deposit of 1,000 rubles, at the maximum gradation rates of "1,500,000 rubles" (the last line of the table).

Interest rates under the program "Maximum income" (opening online)

.

There are no replenishment and partial withdrawal options.

3. Deposit program "Maximum growth" - with replenishment and withdrawal

In the "Maximum Growth" deposit program, there are options for replenishment and partial withdrawal. You can increase the interest rate during the term of the deposit by replenishing the amount until the next gradation.

The minimum opening amount is 1,000 rubles.

Replenishment from 1,000 rubles is possible during the entire period.

The interest rate depends on: the amount of the deposit, the term, the method of withdrawing interest, the method of opening (online or through the office). When opening through the "Internet - Bank", the interest is 0.3% per annum higher.

As in the previous program, for "payroll clients" and pensioners, the amount of the deposit is not taken into account, and the maximum rate is given (the last line of the table).

Withdrawal is allowed once, up to the minimum balance.

Interest is paid: either monthly or sent for capitalization.

Interest rates under the "Maximum Growth" program (online opening)

* - interest on monthly profit withdrawal.
** - interest when choosing capitalization.

4. Deposit program "Maximum comfort"

Similar to the one described above in terms of parameters, but there is one difference - partial withdrawal without restrictions, up to an irreducible balance.

With a deposit amount of 1,000 rubles, the minimum balance will be 30,000 rubles. In other gradations, the amount of the down payment is equal to the minimum balance.

Preferential conditions for terminating a deposit, with a "life" period of 181 days - 60% of the assigned rate is paid.

If the deposit is terminated before 181 days, the rate "burns out" to 0.01% per annum.

The maximum rate is 7.55% per annum (the amount is from 1.5 million rubles, the term is 1 year, capitalization, opening via the Internet bank or ATM).

Interest rates under the program "Maximum comfort" (opening online)

* - interest on monthly profit withdrawal.
** - interest when choosing capitalization.

5. "Savings account"

Usually this account is opened before paying for a large purchase, or when you want to "save" for it.

But so that money does not lie "in a stocking" or under a mattress, depreciating, but bring income. The interest is not high, but a huge plus is the fact that the entire deposit (or part of it) can be withdrawn at the right moment.

Interest is paid monthly, or sent for capitalization.

The advantage of the account is that there is no minimum opening amount, and it is perpetual. There are no restrictions on replenishment and partial withdrawal.

The rate depends on the amount of the account, and is in the region of 3.50 - 5.00% per annum (see table).

Interest is calculated on the daily (0.10% per day) and the minimum account balance per month.

Immediately, an interesting pattern should be noted - no matter what experts or ratings say, some public opinion and other factors when choosing a banking program for placing deposits by individuals or legal entities, as well as pensioners, first of all, clients (depositors) are interested in the issue of interest rates, what placement conditions a particular bank offers, and only then everything else, such as ratings of the central bank on the reliability and safety of banks, and so on and so forth.

Also, in the beginning, we would like to remind you of the current situation in the Russian banking system, as well as some very recent history. So, as you remember, from the second half of the year before last, the ruble began to sharply lose its position against world currencies, there was not only hype and commotion, but still - inflation was growing, along with it, interest rates on bank deposits began to feverishly raise in order to keep the money from being "plundered" by depositors.

At this time, as well as at the beginning of last year, the level of deposit rates on deposits for individuals increased sharply, people stopped taking their "hard-earned money" from banks, and there was even an increase in deposit investments. But then everything "settle down" and from the middle of last year everything "fell into place", in other words, deposit rates began to fall, and a short time decreased quite significantly, which did not please the potential investor, that is, you and me.

One way or another, there is nowhere to go, as they say, and given the small options at the moment, to keep your capital at least at the level of inflationary expectations, rising prices for basic consumer goods and so-called utilities, and to some slight extent (hope ) to earn at least a little, there is not much alternative to a bank deposit, so far, at least for today, what will happen next, let's see ...

So we came to the question of interest rates on deposits in 2017, what rates on a bank deposit are profitable today, in which bank of Russia they are the most profitable, and the placement conditions are acceptable and flexible. Such questions are primarily of interest to depositors, holders of Russian rubles, who want to protect themselves from surprises and inflation. website

Yes, and no wonder, in this situation, one should not expect anything else, somehow a person will search for the best conditions for saving his money, preserving their purchasing power. So, since the beginning of 2017, a potential investor has been looking for the most favorable conditions that suit his interest rates on deposits in domestic banks in order to place his financial assets in one of them successfully and with the greatest profit.

Deposit interest rates in 2017 to date

A bank deposit in 2017 at favorable interest rates, today is almost in the best possible way save your money, because no one is saying that you can make good money in this way, now the main issue for many investors is the ability to maintain the purchasing power of their rubles, because there are fewer and fewer alternative ways and opportunities every day.

Today many Russian banks they direct all their efforts to attract additional customers, offer favorable conditions for placing deposits, they understand, even if this moment the situation has stabilized to some extent in the financial sector, but who is insured against surprises tomorrow.

Bankers are well aware that an extra client never hurts, because according to statistics, two out of three depositors leave their funds for a new period in the bank in which they lay, if they are not going to use them for their own purposes, not for placement on deposits in which some other bank.

It will also be interesting to learn that recently many banks that have not previously worked with representatives of honorable age, Russian pensioners, but only with individuals of non-pension age, are now happy to conclude agreements with them, even offer them special conditions for placing a deposit . What it says, you probably guess yourself and we do not need to decipher it.

To date, deposit rates vary depending on the terms of placement and conditions for withdrawing interest. On average, interest rates in 2017 on deposits are in domestic banks - today 7.5 - 8.5 percent, whether it is profitable and justified to keep your funds at such interest rates is not for us to judge, but for each individual depositor, who himself decides what to do and how to act.

Of course, there are also more favorable offers of banks in 2017 on deposits and interest on them, say at 10 - 11% per annum and even in some cases or more, there are such options for placing a deposit, but this is more an exception than a rule, but we offered you average rates (7.5 - 8.5%) with monthly or quarterly interest payments from the most serious and stable banks you can trust. website

Here's what else it won't hurt to tell Russian investors in 2017 (individuals and pensioners) - you should not be afraid of losing your money if something suddenly happens to the bank in which you placed your deposit. But only if he is a member of a deposit insurance agency (for individuals) and the amount of your deposit placement is within one million four hundred thousand (1.4 million) rubles.

If your bank in which you placed your funds is a member of the deposit insurance program, then you need to worry once again, you should not worry about something, except that you will not receive your hard-earned funds quickly, and also about the accrued interest you should immediately forget, you can not even count on them. We emphasize that this applies only to the guaranteed amount, which does not apply to those over 1.4 million rubles.

Given the above in two paragraphs, he can give practical advice to those who are going to place amounts exceeding the guaranteed DIA - place your money in several banks, because it’s safer and safer to stay with yours in any case. But it is up to the investor himself to decide how he will dispose and what decision he will make, and he will be responsible for him in the end.

Interest rate on the deposit in 2017 - what to expect?

It has long been noted that with the growth of the well-being of the people in some country, their general culture of handling their money grows, people begin to relate differently to the money they earn. If earlier they didn’t have enough for a more or less decent life, then when they get rich, they have free money and gradually the consciousness of how to dispose of it comes, because keeping them at home is one question, and earning on their free funds is already a completely different level.

There are other reasons for the desire to increase your money, they are of course (reasons) in different countries our own, but since we are already talking about our country, the main one is the desire to save them from inflationary processes, to maintain at some level of purchasing power that our national currency, lying at home "under the pillow, has not depreciated in the end.

In difficult financial terms unstable economy and in the banking sector, the topic of pragmatic and prudent management of one's savings and earned money is becoming more and more popular in 2017. In the past, as they are called "full years", if anyone thought about this (earnings on a bank deposit), then not in such quantities as now, when the price of each ruble is higher and higher, but just like that it can no longer be earned.

But today this question is no longer relevant, now many people are already thinking about not how to make money, but how to at least keep their ruble savings at the level of their purchasing power that they currently have.

Everything, as they say, goes in the direction that no one thought about - the situation in the country with jobs and the opportunity to earn money is getting worse every day. What will this lead to, what results for the country's banking system - it will not be good for sure, deposit rates will continue to fall in 2017, because there is no demand for money from business and is not expected. website

The banking system fully responds to this, because crisis moments in any country do not lead to improvement, but on the contrary, when the economy slows down without any prospects for resuming growth, the circulation of money in the country decreases, which means business takes less loans, and this a consequence of excess money in bank accounts is the result of a decrease in bank rates on deposit programs.

Interest rate 2017 - percentage of bank deposits for today

Look for fresh information on bank deposits on the Internet, online ...

A strict austerity regime, hard work, an inheritance, or a gift can give you a free amount of money to spend with the most 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.

Moscow bank deposit rates

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

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

• term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
• termless or short - term deposits are usually accompanied by lower deposit rates in Moscow banks .

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

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

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. 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 of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2019, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

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

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

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