The highest interest rate on deposits. Comparative rating of Russian banks by interest rates on ruble and foreign currency deposits of individuals. Interest rates of reliable banks

A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of 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 the interest on deposits in Moscow largely determines how much the deposit will be added to the initial one, 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 a great 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 2020, 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 a complete list of current deposits in Moscow banks for today updated.

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

A deposit is an opportunity to save money and protect it from market fluctuations. It is in our mentality to keep all finances under the pillow. In this state, they are under threat. Because inflation happens every year. Because of it, money loses its value. Deposits can be made both in national currency and in foreign. The second segment is dominated by the dollar and the euro.

But what criteria should be used to choose the best bank for opening a deposit? There are quite a few of them:

1. Reliability. One of the most important qualities. If you plan to make a large deposit (more than 1.4 million rubles), then it is better to choose the most reliable bank, even to the detriment of interest and conditions. Naturally, within reason. The fact is that in the event of the closure of the bank, the Deposit Insurance Agency (DIA) will return only 1.4 million and not a penny more.
2. Insurance. The bank must be a member of the deposit insurance system. Otherwise, even if the amount on the deposit is less than 1.4 million, no one will pay it if the institution is closed.
3. Term. There may be different offers - from one month to several years. It is worth deciding how long you need to deposit money in order to choose the best option.
4. Sum. Each deposit requires a certain minimum amount. So it is worth deciding on it in advance.
5. Replenishment. If you plan to deposit money in the process of keeping a deposit, you need to look for a deposit with this option.
6. Capitalization. That is, the accrual of interest, for example, every month to the amount of the deposit. This will increase the cost of the interest rate every month.
7. Partial withdrawal. Perhaps, in the process of storage, money will urgently be needed. And the option of partial withdrawal of money without loss of interest could help in such a situation.
8. Payment of interest before the end of the deposit. Some banks offer to issue the amount accrued as interest on the deposit after certain periods of time - for example, every month.

The combination of at least part of these criteria will allow you to choose the really best bank for deposits in Russia. In our rating, we have collected the best banks for deposits. The rating is based on the reliability of institutions, their offers, user reviews. Only institutions included in the TOP-50 financially reliable according to the Central Bank of Russia for 2019 and participating in the deposit insurance system participate in the rating. So you don't have to worry about your money.

It is important to note that the interest rate often depends on the amount of the deposit and its term. The rating also indicates the maximum possible rate in principle.

TOP 10 best banks for deposits

Before considering each bank separately, we immediately present a comparison table of all deposits. This will allow you to more clearly assess the benefit of an individual institution in comparison with the rest in the rating.

Now let's take a closer look at the financial institutions listed in the table.

10 Great start (Raiffeisenbank)

Best Remote Help Desk
Interest rate: 7%
Rating (2019): 4.2

And the rating opens up a quite profitable contribution for those who have never been a client of this institution. Allows you to get acquainted with the service of Raiffeisenbank and not worry about the invested funds. All information about the deposit, as well as management tools, is available in online banking or a mobile application. Responsive technical support is available, to which you can always contact for a solution to the issue. Through it, you can manage money.

The conditions are standard, and the annual deposit rate is attractive, but far from ideal. The deposit allows you to deposit from 100 thousand to 1 million rubles. You can place them for a period of 181 or 366 days. In this case, the maximum rate will be in the first case. Capitalization is monthly, but you can set up the withdrawal of funds to an existing account for their use outside the deposit. Unfortunately, it will not be possible to replenish the deposit or withdraw part of the money from it. The deposit is opened at a bank branch using a promo code that you receive when you make an online application. In the reviews, users emphasize the convenience of online banking and the mobile application - everything is clear and works like clockwork.

9 Pobeda+ (Alfa-Bank)

The best bank for long and large deposits
Interest rate: 7.04%
Rating (2019): 4.2

Alfa-Bank offers a convenient deposit to everyone. But it will be most beneficial for customers with a high level of service and large amounts on deposit. This is a great solution for those who need to put a lot of money at once at a good interest rate and not worry about maintenance. You can invest from 10 thousand to 20 million rubles. Terms are from three months to three years. Monthly capitalization of interest is available, due to which the profitability of the deposit is one of the largest. But not the biggest. There are no other additional options.

There is a small nuance that does not allow the bank to rise higher in our rating. The rate per year depends on three parameters: a package of services (there are five in total), the amount and the term. The maximum rate is available only to the owners of the A-Club service package. Unfortunately, on less “premium” packages, the rate is lower - for example, on the average “Comfort” service package, it will already be 6.68%.

8 "Your success" (Gazprombank)

Simple and profitable deposit
Interest rate: 8.32%
Rating (2019): 4.3

Gazprombank offers a profitable deposit with the possibility of capitalization. You can open it in three ways - in the office, through a mobile application, through an application in your personal account on the bank's website. The amount of the deposit varies from 50 thousand to 3 million rubles. There are three terms to choose from - 367, 548 and 1095 days. The maximum rate is 7.45%, but if you choose a deposit with capitalization, then the yield rises to 8.32%. The interest is quite high, but when the deposit is extended, the rate drops to 6.45%.

Unlike many other banks, Gazprombank offers interest payments at the end of each calendar month. This is convenient for monitoring your funds. But, unfortunately, there is no possibility of replenishment and partial withdrawal of funds. All transactions can be monitored through a convenient mobile application. The bank also provides its customers with technical support to resolve any issues on a free hotline. But Gazprombank publishes too little information on its website: to find out all the details about the deposit, it’s easier to contact the bank branch. Alas, it is the lack of more detailed information that prevents Gazprombank from climbing higher in our rating.

7 "Maximum income" (Sovcombank)

"Halva" as a gift
Interest rate: 7.8%
Rating (2019): 4.4

Sovcombank offers favorable conditions for customers. Holders of the Halva card have a deposit with an increased rate of 7.8%. Taking into account the benefits of the card itself, together with a favorable percentage, the institution can be considered one of the best for existing customers. Clients who have previously opened a Halva installment card can count on a deposit with an increased rate of 8%. However, new customers will receive a rate of 7%. You need to deposit at least 50 thousand rubles into the account. We are pleased with flexible terms - they vary from a month to three years. As the term increases, so does the rate.

Interest is withdrawn at the end of the term to a separate account. The Halva installment card is linked to this account. An important point: the annual rate is tied to it. In order for the rate to remain at the level of 8%, you must use the card at least five times a month and spend at least 10 thousand rubles from it during this time (it does not matter, your own or credit). If you miss at least a month or allow a delay in credit card debt, then the interest on the deposit will drop to 7%. Deposit replenishment available. But the amount of additional injections should not exceed the initial amount of the deposit for the first ten days after opening the account.

6 "Strategy of Leadership" (Bank Zenith)

Best interest rate
Interest rate: 9.5%
Rating (2019): 4.5

One of the reliable banks, although not the most famous, offering high rates to people literally “from the street”. You don't have to be a paid or preferred client to get a percentage higher than the market average for truly sustainable institutions. A small minus - for registration it is necessary to open an investment life insurance policy and not terminate it until the deposit is closed. But it provides additional income and guaranteed return of contributions, so there is nothing to be afraid of.

The deposit is opened for a period of 300 days and cannot be less than 100 thousand and more than 30 million rubles. Additional options and capitalization are not provided. Interest is calculated on separate periods - every 100 days the rate increases by a certain percentage. For example, when concluding a contract for 5 years, the rate is 7.7%, which gradually rises to 9.5% over time. In general, this is a profitable offer, but only if there is an opportunity to allocate funds for investments. That is why the contribution does not take the highest place in the ranking.

5 Profitable (VTB)

The best internet banking for opening a deposit
Interest rate: 7.35%
Rating (2019): 4.6

One of the largest banks offers a deposit with a speaking name. I am glad that the institution allows you to open a deposit online, and then receive a paper contract for a passport at any branch. It is profitable, convenient and simple. VTB offers one of the longest periods of "storage" of money at a very reasonable rate, so it is good even for very long-term deposits. In the reviews, customers note that the bank willingly solves emerging issues and problems.

The deposit allows you to store from 30 thousand rubles for a period of three months to five years. At the same time, interest can be capitalized every month or withdrawn to a card. It is a pity that there is no replenishment and partial withdrawal. The highest rate of 7.35% can be obtained if you open a deposit for 3-5 years with an amount of more than 75 thousand rubles. To do this, you must be the owner of a VTB Multicard with the "Savings" option enabled. By making purchases with such a card, you can increase your yield up to +1.5% per annum. The higher the amount of purchases, the greater the percentage, but the accruals do not exceed the limit of 1.5 million rubles. Interestingly, you can terminate the deposit ahead of schedule and receive part of the accrued interest. If the money has lain in the bank for at least 181 days, then the client receives 60% of what should have been accumulated on the deposit during these six months.

4 "Special" (OTP Bank)

The easiest contribution
Interest rate: 6.8%
Rating (2019): 4.7

Good bank with favorable interest rate. The financial institution closes the TOP-15 banks according to Forbes. The quality of service, judging by the reviews, is at its best - employees willingly make contact with the client and solve problems that arise. The rate of 6.8% is fixed, it will not change depending on the amount of the deposit. It is necessary to make a deposit in the office, it is not possible online. In addition, the service is available only to those customers who have issued a bank card with the tariff “Your choice - Savings” or “Everything is possible”.

The bank offers a deposit program without a catch, but also without special "frills" like capitalization or other options. You can put on a deposit from 30 thousand to 10 million rubles. At the same time, you can open several deposits for one person - it is only important that their amount does not exceed the upper bar for one deposit. You can make a deposit for 181 or 366 days. It does not have any options - a contribution from the "put it and forget it" series. It is quite convenient when you just need a profitable annual rate without additional features.

3 "Cumulative with capitalization" (Moscow Credit Bank)

The smallest deposit
Interest rate: 6.75%
Rating (2019): 4.8

Comfortable offer for any person. You can open a deposit even in a bank payment terminal, online or through a smartphone application. Interestingly, the bank has a rather low minimum deposit amount. At the same time, the annual rate does not depend on its size. The maximum percentage is easy to get if you connect the annual service package and deposit money for a year. As a gift to the deposit, the bank gives a debit MasterCard Gold. According to user reviews, it seems that the institution is recruiting competent and attentive employees, so there will be no problems with opening.

You can open a deposit in the ICB for a period of 3 months to a year. In this case, you can deposit even a thousand rubles. So the offer is suitable even for those who need to deposit a very small amount. The maximum deposit amount is 10 million. Interest is capitalized every month. Monthly replenishment of the deposit is provided, but only up to the maximum amount. But you can’t withdraw money partially - this is an additional option for money.

2 "Replenished" (Rosselkhozbank)

Maximum deposit options
Interest rate: 6.4%
Rating (2019): 4.9

In terms of reliability, Rosselkhozbank occupies one of the first places. Because it is a state institution that is stable in the market. It offers a large number of deposits and it is easy to get lost among them. But with such an extensive selection, you can satisfy any request. One of the features of the bank is that it puts higher interest rates for those deposits that were opened through an online application. You get a double benefit. On the one hand, this is practical: you can not go anywhere, and the banking application will calculate everything by itself. On the other hand, the deposit rate will be higher than the one that you can get in the branches. We suggest considering a deposit with a combination of convenient use and a high rate: "Refillable".

If you open a deposit immediately in the amount of 50 thousand rubles, the Amur Tiger debit card will be a gift. It helps to make various kinds of payments, and you also support the endangered species of Amur tigers. The minimum amount for the contribution is 30 thousand rubles, the maximum is 10 million rubles. Interest can be capitalized or transferred to the account on a monthly basis. You choose this when making a deposit. The term is from 91 to 1095 days. The minimum rate is 5.70% and the maximum is 6.40%. Replenishment of the deposit is possible no later than 30 days before the closing date of the deposit.

1 Tinkoff Bank

The best bank for deposits according to customers
Interest rate: 6.92%
Rating (2019): 4.9

Customers in their reviews call Tinkoff one of the best banks. Unlike other financial institutions, it has only one program. It is made in such a way that you yourself set the conditions of your deposit. The minimum amount is 30 thousand rubles, the maximum is 30 million rubles. The term of the deposit varies from 3 to 24 months. The larger the amount and term of the deposit, the higher the interest. Therefore, the rate ranges from 5 to 6.92%. But in order to get the maximum rate, it is necessary to mark the “Increase the deposit rate” icon in the deposit calculator. Please note that this activates an important condition: when using this option, you can replenish the deposit only within 30 days after opening it.

As a gift for making a deposit, Tinkoff provides a debit card with a 30% cashback. Among other advantages of working with the bank is a convenient application. In it you manage the deposit. It is in your power to extend the terms, refuse it or transfer interest to the card, and not store it together with the deposit. In the industry of mobile banking applications, Tinkoff is considered one of the leaders. All clients have access to the "Multicurrency deposit" service. So you can store money not only in rubles, but also in dollars or euros. And change currencies as needed. This feature will ensure the safety of money, despite fluctuations in the foreign exchange market.

It is formed on the basis of the total amount of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking, you will be able to choose the right one. Based on the information provided, you will be able to choose the best offers for profitability and interest rates.

Features of the formation of the rating of Russian banks on deposits

Russia on deposits is formed according to the data of the Central Bank of the Russian Federation. The analysis also takes place on other indicators:

• Positions in the ranking compiled by independent agencies.
• The opinion of customers who have already made transactions in this bank.
• Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the equity capital of the institution. The more funds, the less likely it will be declared insolvent.

Rating of banks in Russia by deposits of individuals in 2020

In 2020, the top best Russian banks in terms of deposits have not changed much. The higher the place in the list, the more confidence in this financial institution. Usually, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top best banks may vary depending on different indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks for today is formed according to the reports provided by financial institutions. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider ranking by interest rates, the list may be different. When choosing, pay attention to the rating at the full cost of deposits. It includes surcharges, bonuses and other gifts for depositors.

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, taking into account the variety of offers. 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 highest rates to attract depositors - many of them choose reliability and stability over 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"!

Why are deposits with monthly interest withdrawals profitable today?

Many today talk about the need to create a so-called "passive income". Deposits with monthly interest is one of the forms of obtaining such income.

They are also called "rental", because in their principle of operation they are similar to making a profit from renting 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 percentage, but also the reliability of the investment.

What are the most profitable deposits with monthly interest payments today?

In this review, the correspondents of the site 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 or more 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 "Regular income"

Deposit "Profitable"

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution " save»

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution "For life"

Post-bank

Deposit "Profitable"

Replenishment / Without partial withdrawal / Capitalization / % monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals

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

Are deposits with monthly interest withdrawals insured?

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

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

Conclusion: deposits with monthly interest or capitalization?

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

✓ Deposits with capitalization are beneficial in that the real yield on them is higher due to the constant increase in the amount of the deposit due to the addition of interest.

✓ Monthly interest payments are required for those who plan to spend the income from the deposit. This is an alternative to receiving passive income from the rental of real estate. As a rule, money is transferred to a separate account or card, so that it is convenient to withdraw it, says Viktor Davidenko, an expert on the site for deposit programs.

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