In order to provide their own savings with reliable protection both from intruders and from inflation, many citizens use the simplest investment tool today - a deposit. The main requirement that future investors make to the selected bank is a significant profitability. Which banks offer the highest deposit rates and under what conditions do they agree to keep money? Let's do a little research.

Peculiarities

A term deposit is an investment instrument that involves the transfer of the depositor's own savings to the bank on the terms specified in the bank deposit agreement. The document indicates the initial amount of savings, the conditions and terms of their storage.

As a rule, in financial institutions such an instrument is represented by a wide range. The highest deposit rates imply minimal management functions. This concept, applied to deposit savings, means the possibility of replenishment, partial or complete withdrawal of funds.

Most financial institutions offer to keep savings both in rubles and in foreign currency. As a rule, deposits in rubles offer a higher yield. The lowest interest rate in comparison with other currencies is set for deposits made in euros.

Where are the highest deposit rates?

When choosing a bank that will be responsible for the safety of your money, experts advise focusing on the leaders of the domestic banking industry. This implies less risk of losing savings and the ability to access deposits in any region, if necessary.

What deposits are offered today by the largest banks in Russia:

Name of the bank	bid	minimum amount to open a deposit, rubles	term	possibilities
Sberbank	6,4%	1000	3 years	choice of capitalization, auto-prolongation
Gazprombank	10%	25000	100-200 days	the client receives income on the deposit at the end of the term
Rosselkhozbank	10,4%	3000	1460 days	possibility of capitalization, auto-prolongation
VTB 24	9%	30000	18 months	the possibility of capitalization, auto-prolongation, replenishment
Bank of Moscow	7,87%	1000	366-547 days	possibility of early reclaim on preferential terms, auto-prolongation, bonus surcharge to the interest rate
Binbank	12%	50000	181 days	Payment of interest to the depositor only at the end of the term
AK Bars	10,5%	30000	186 days	Monthly payments to the account "On Demand"

We draw the attention of potential depositors, as well as other interested parties: these characteristics of deposits are valid in the head offices of the above organizations. The conditions under which banks offer interest-bearing deposits may vary slightly in specific regions and branches. It is necessary to clarify the current conditions in the nearest division of the financial institution.

How to open a deposit?

In order to make an investment in a bank, it is not at all necessary to personally come to the branch. Financial institutions follow the development of technology, and almost every one of them can offer a client to arrange a service using a mobile phone or laptop. To do this, there are means of remote banking services:

Mobile client-bank. This is a special application that is installed on a mobile phone. Financial institutions offer only official applications that are backed by security services and guarantee strict confidentiality of personal information. The apps work on both Android and iOS platforms.
Internet bank. This client is available on the Internet, access is more often from the official website of the bank. You can access your personal Internet banking account from a desktop computer or laptop. The security service usually provides the program with all kinds of protective means and codes so that no one other than the depositor can use the services of his personal account.

The highest rates on deposits in banks are offered to those who opened a deposit account using RBS funds. Therefore, it is useful to familiarize yourself with these newfangled technologies and actively use them every day.

Unfortunately, those who have never been a client of the selected bank before or have not registered the RBS service will still have to visit the office. But this is not a problem - those who came to make an investment will receive not only the highest rates on deposits, but also service out of turn.

Documents for registration

To apply for an investment service, a future client of the bank must have the following documents with him:

Identity document. For citizens of the Russian Federation, this is a passport. It is noteworthy that, unlike loans, when making a deposit, an employee can get by with any other identity document - a passport, a certificate of a military man or officer, a sailor's passport, a military ID, and so on.
Comprehensive banking service agreement. This document is drawn up on the spot at the first call. Service may include opening a debit account, issuing a card, connecting RBS services and other services.

Financial institutions of the Russian Federation are also ready to provide investment services to foreign citizens. To do this, a citizen of foreign origin will need his passport with a translation into Russian, a migration card and a visa.

When making a deposit, the client receives a bank deposit agreement. It specifies all the conditions under which the depositor transfers his savings to the financial institution. Do not lose sight of the contract and save your own time - it is better to read each item carefully. The employee will definitely answer questions regarding the procedure for calculating interest, the availability of capitalization, and the conditions for claiming a deposit.

Bank conditions

By drawing up a banking service agreement and transferring money to a financial institution for safekeeping, the depositor loses the right to dispose of the savings at his own discretion. Such is the price of the issue - high interest rates on deposits suggest a lack of management ability.

In most cases, the client will not be able to replenish the deposit, withdraw its entire amount or part of the funds without losing interest. Also, some financial institutions offer the client maximum profitability in exchange for the execution of insurance contracts or the purchase of shares in an investment fund ("Gazprombank"). You should carefully read the conditions that provide the deposit with the highest interest in the bank.

Insurance

The depositor does not need to worry about the safety of his savings if he saw the DIA logo when signing the deposit agreement. The Deposit Insurance Agency guarantees insurance of any deposit or bank account in the amount of up to 1,400 thousand rubles.

The insurance covers deposits in rubles and in foreign currency. In the event of an insured event, the DIA returns not only the initial amount of savings, but also the accumulated interest. An insured event is understood as the loss by a bank of a license to carry out banking activities or bankruptcy.

Pros and cons of time deposits with maximum yield

The undoubted advantages of depositing funds with maximum profitability include the following:

Funds are safe, not protected from inflation and from unforeseen circumstances.
Savings bring some income.

High interest rates on deposits mean minimal opportunities to manage and dispose of funds.
If circumstances force the depositor to withdraw all or part of the deposit, he will lose the accrued interest.

Finally

The highest deposit rates involve certain inconveniences, but guarantee maximum efficiency. In addition, by placing their savings on deposit, a bank client can be calm about the safety of their savings.

Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.

The best interest on deposits in banks

Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
at 91 days - 6.6%;

for 181 days - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of time, favorable conditions will make the process quick and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

the minimum amount is 1000 rubles; $100; 100 euro;

terms and interest for deposits in rubles:
for 95 days - 5.75%;

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars euro;

the minimum amount is 30,000 rubles; $5,000; 5000 euros;

terms and interest when opening a ruble deposit in the office for up to 1 year:
upon termination within 31–90 days - 6.6 / 7.6% (Halva card);

upon termination within 91–180 days - 7.0/8.0% (Halva card);

upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);

upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).

terms and interest when opening a ruble deposit in the office for up to 3 years:
upon termination up to 90 days - 6.8 / 7.8% (Halva card);

upon termination up to 180 days - 7.2 / 8.2% (Halva card);

upon termination up to 365 days - 6.8 / 7.8% (Halva card);

upon termination up to 730 days - 6.0 / 7.0,% (Halva card);

upon termination up to 1095 days - 6.0/7.0% (halva card).

terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
upon termination within 31–90 days - 6.6%;

upon termination within 91–180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271-365 days - 6.6%.

terms and interest when opening foreign currency deposits:
in US dollars for 271–365 days - 1.55%;

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;

terms and interest:
for ruble deposits for 91 or 191 days - 6.42–7.30%;

in US dollars for 91 or 181 days - 0.20–0.80%;

in euros for 91 or 181 days - 0.10%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.

"Maximum Interest" (Binbank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

the minimum amount is 10,000 rubles; $300; 300 euros;

terms and interest for ruble deposits:
when opening at a bank branch - 6.10-7.30%;

for individuals (pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

terms and interest for deposits in US dollars:
when opening at a bank branch - 0.55-1.65%;

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

terms and interest for deposits in euros:
when opening at a bank branch - 0.01%;

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms of deposit opening - from 31 to 1460 days;

the minimum amount is 3000 rubles; $50;

interest rate for ruble deposits - up to 6.70%;

interest rate for deposits in US dollars - up to 2.45%.

One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

Profitable (VTB 24)

Conditions:

currency - rubles;

minimum amount:
when opening an online deposit - 30,000 rubles;

when opening a deposit in a bank branch - 100,000 rubles.

terms and interest when opening a deposit in a bank branch:
for a period of 3–5 months - 6.20/6.23%;

for a period of 6 months - 6.20/6.28%;

for a period of 13–18 months - 5.90/6.15%;

for a period of 18–24 months - 5.70/6.02%;

terms and interest when opening a deposit online:
for a period of 3–5 months - 6.60/6.64%;

for a period of 6 months - 6.60/6.69%;

for a period of 6–13 months - 6.15/6.23%;

for a period of 13–18 months - 6.10/6.29%;

for a period of 18–24 months - 5.90/6.15%;

for a period of 24–36 months - 5.70/6.02%;

for a period of 36–61 months - 3.10/3.25%.

This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

Pobeda+ (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; $500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euro - 0.01–0.20%.

You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 15,000 rubles; $500; 500 Euro;

terms - from 3 months to 1097 days;

interest rates for ruble deposits:
for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;

for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

for an amount from 1,000,000 rubles - 6.0–6.4%;

interest rates for deposits in US dollars:
in the amount from 500 to 10,000 dollars - 0.30–1.40%;

in the amount of $10,000 or more - 0.40–1.50%;

interest rates for euro deposits:
for amounts from 500 to 10,000 euros - 0.01%;

in the amount of 10,000 euros - 0.01%.

A long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; $100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
for 3–6 months - 3.70/3.71%;

for 6–12 months - 3.80/3.83%;

for 1–2 years - 3.60/3.66%;

for 2–3 years - 3.45/3.63%;

for 3 years - 3.45/3.63%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
for 3-6 months - 3.85 / 3.86%;

for 6–12 months - 3.95 / 3.98%;

for 1–2 years - 3.75/3.82%;

for 2–3 years - 3.70/3.83%;

for 3 years - 3.60/3.80%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75%.

terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
for 3-6 months - 3.45 / 3.45%;

for 6–12 months - 3.55/3.58%;

for 1–2 years - 3.55/3.58%;

for 2–3 years - 3.30/3.41%;

for 3 years - 3.20/3.35%.

terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
for 3–6 months - 3.60/3.61%;

for 6–12 months - 3.70/3.73%;

for 1–2 years - 3.50/3.56%;

for 2–3 years - 3.45/3.57%;

for 3 years - 3.35/3.52%.

terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
for 3-6 months - 0.25%;

for 6–12 months - 0.55%;

for 1–2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3–6 months - 0.05%;

for 6–12 months - 0.20%;

for 1–2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.25%;

for 1–2 years - 0.60%;

for 2–3 years - 0.70%;

for 3 years - 0.80%.

terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.30%;

for 1–2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

terms and interest rates for dollar deposits when opening at a bank branch (from $100):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, Where

N - the initial amount of the contribution;

P is the interest rate;

d - calendar days after which new interest is charged (usually 30 or 31 days);

D - 365 or 366 days a year, depending on the current year;

n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.

Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Net. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.

02Feb

Hello! This article will focus on deposits for individuals in 2018. Today you will learn about the positive and negative aspects of opening bank deposits, how to choose the right deposit that is most convenient for you personally. What deposit rates are currently in effect. In what currency is it more profitable to make a deposit and how to protect your savings.

We have analyzed and prepared for you the rating of the TOP-20 banks with favorable conditions for deposits and deposits! The article turned out to be large, so use the content.

What is a bank deposit

Contribution - This is a certain amount of funds that is transferred to the bank at a certain percentage. For any citizen, this is a great way not only to save their savings, but also to increase their amount, to receive income.

Who are the contributors

The depositors of any bank can be citizens of the Russian Federation, citizens of other states and persons without citizenship. They are completely free to choose any bank that suits their conditions, and can also place their funds in several banks at the same time. Persons who are depositors manage their funds, receive income from them and perform the necessary operations specified in the documents.

Classification of deposits

Conventionally, they are divided into 2 groups:

Open for a certain period of time (urgent);
Without a specific period of storage of funds (on demand).

In turn, term deposits can be divided into savings and savings. In addition, there is a third type - universal deposits. Let's analyze each type in more detail.

It is a mistake to think that if the deposit is classified as urgent, it implies only short-term storage of funds. It is called urgent only because it opens for a specific period of time. The depositor places his funds in the bank for a month, for a year, for 3-5 years, the terms of placement may be different. In turn, the bank pays him higher interest.

Of course, you can withdraw the money before the end of the deposit period, but then the attractive interest will be lost.

Some banks offer to make a term deposit on the condition that the interest on early withdrawals will be preserved. This is undoubtedly a favorable condition if the client has some kind of force majeure.

Although banks usually ask their depositors to inform in advance that the client wants to close the deposit. This is necessary to order money for a specific date.

Savings deposits - usually open to store money for a certain period of time. Savings accounts are opened in order to collect the required amount for a specific purpose.

Apart from all other categories, there is a special type of contribution - metal account. To open it, the client must purchase a certain amount of precious metals, which will be stored in the bank. The income from such a contribution directly depends on how much the selected metal costs in the market.

This option to accumulate funds is effective only when the storage period is chosen to be long. And someone generally prefers to purchase gold bars, being convinced of the dominance of gold over the world.

Also worth mentioning are the so-called universal deposits. These are deposits on a long-term basis, with the ability to make debit transactions on them (pay for utilities, the Internet, etc.). Opening such a deposit takes just a few minutes; in this case, it is not required to collect an extended package of documents.

Currency deposits - these are funds that are placed in the bank in the currencies of other states. They charge the same interest.

In addition to dollars and euros, some banks offer deposits in pounds sterling, yuan, Swiss francs. The demand for such offers is low, so their number is rather limited.

The terms of foreign currency deposits are the same as for ruble deposits: a minimum of 1 month, a maximum of 5 years. Also, deposits have some features, for example, the interest rate on them is lower than on ruble deposits. The explanation for this is simple: the ruble is a weaker currency than the euro or the dollar, which means that the owners of such savings do not lose anything, despite the low profitability.

Let's take another look - multicurrency deposit. Its presence allows you to transfer your funds from one type of currency to another, while maintaining the interest already accrued. Such transfers can be made an unlimited number of times, and this also allows you to earn money.

Interest on this type is usually calculated separately for each currency. You can open a deposit in any ratio of each currency. But there are banks that require that a certain percentage remain in the ruble equivalent.

There are also restrictions on the minimum deposit amount. Usually it is 3000 rubles, 100 euros and 100 dollars. At the same time, it is not always possible to replenish the deposit. And if it is provided for by the contract, then certain periods apply. Regarding the partial withdrawal, each bank leads its own line.

If you decide to open such a deposit, remember that it is ideal only for those who follow the exchange rates and have an idea about fluctuations in these rates. Otherwise, high profitability will not work.

Specialized deposits - salary, contributions for education, housing, seasonal and so on.

Let's consider each of them in more detail:

Salary contribution - you can open it only if the salary is transferred to the bank where you plan to open a deposit. If the salary account is combined with a deposit, interest will accrue on the balance of the account;
Investments for education - accounts in which funds are accumulated for education. They are distinguished by a high rate, and if necessary, more favorable credit conditions;
Housing deposit - designed for the process of accumulating funds to improve living conditions. Banks often make favorable mortgage offers to clients who have opened such deposits, but the profitability of such deposits is low;
Seasonal contribution - open at a specific time of the year or on a holiday (New Year). Interest rates on this type of deposits can be called quite high.

intermediate output : Specialized deposits are somewhat more profitable than ordinary ones. By opening them, you can get higher incomes, or nice bonuses from the bank.

And about what nuances you need to pay attention to before opening a deposit, we'll talk further.

How to choose a bank to open a deposit

In order to find the right one for you, you still need to try and spend a lot of free time.

To make this task easier, here are some helpful tips:

Look at bank ratings. They are compiled most often by Russian rating agencies;
On the official website of the Central Bank, you can freely access the reporting of banks on credit operations. The only negative: to fully understand them, you need to be a specialist (accountant or economist);
You can use the help of the Banki.ru portal, where all the information is presented in a more accessible language for non-professionals;
Another indicator of the bank's reliability is the increase in its assets compared to previous periods;
Size is also an important indicator;
Study the reviews of bank customers who have already used its services;
Pay attention to the size of the bank, whether it has branches, branches;
Look through the media for negative information about the bank you have chosen;
Specify at once, how high are the rates for opening deposits? If they are too high, this should alert the potential client;
How the bank's work schedule changes, or it has not changed since the opening. In addition, if the bank reduces staff, it also indirectly confirms that the bank has problems;
Are there any problems during the implementation of various operations;
Be sure to specify whether the bank belongs to the deposit insurance system. This information is easy to find on the Internet.

Summing up a little, I would like to say that you need to approach the choice of a bank carefully, leisurely and meaningfully. But also value your money and time, do not delay making a final decision.

How to open a deposit

First of all, in order to conclude an agreement with a bank, you will need a passport. In general, now the process of opening a deposit is simplified, to save time not only for customers, but also for bank employees. If the client has already decided on the type of deposit, he needs to personally visit the branch of the selected bank, inform the specialist about his intention, who will promptly prepare the contract.

Before signing such an important document, be sure to read it carefully.

Pay special attention to:

deposit rate;
term of the deposit;
Is it possible to replenish it, as well as withdraw money ahead of schedule;
Personal data in the contract: check if they are accurately reflected.

If you are satisfied with all the conditions in the contract, sign the contract and deposit the required amount of funds at the bank's cash desk. If the deposit is opened in the afternoon, it will be valid from the next day.

Why they can refuse and not open a deposit

Such failures are not frequent, but they are still possible.

The reasons are:

If the client is unable to present a passport or other identification document;
If a foreign citizen who wants to open a deposit cannot confirm his right to be on the territory of Russia;
If there are marks in the passport, the presence of which is not provided;
If the person opening the deposit is less than 14 years old.

The bank has the right not to voice the reason why the client was denied opening a deposit!

Top 20 banks for deposits in rubles in 2018

In this part of our review, we will talk about what conditions for opening deposits are offered by the most famous banks in our country.

Important: All information about opening deposits, conditions and interest rates, offered to your attention, was obtained from the official portals presented in the review of banks. Conditions may differ if banks make changes!

We suggest considering the following banks according to the following characteristics:

Maximum percentage;
The minimum amount of the first installment;
Frequency of interest accrual;
How to open a deposit;
Possibility to replenish the deposit;
Possibility to partially withdraw funds;
Participation in the deposit insurance system;
The presence of bonuses from the bank for the depositor.

Deposits in Sberbank for individuals

The maximum percentage is 8.80% (depends on the term of the deposit);
depends on the type of deposit chosen (from 1 ruble to 30,000 rubles);
from monthly to accrual at the end of the deposit term;
How to open a deposit in person, through the Sberbank online system, through self-service devices;
available;
available, but not for all types of deposits;
yes, preferential terms for mortgage and consumer lending.

Intermediate output: undeniable advantages include the stability and stability of the bank in the market, benefits for depositors when applying for a loan.

Official website of the bank.

Deposits in Tinkoff Bank

The maximum percentage is 9.83% per annum;
The minimum amount of the first installment is 50,000 rubles;
Frequency of interest calculation - can be credited every month to the deposit itself or to the client's card (at his choice);
How to open a deposit online, through a mobile application, computer, tablet;
Opportunity to replenish the deposit - available, and online;
Possibility of partial withdrawal of funds - available, at any time, in any way convenient for the client (you can receive your money by transfer through the Russian Post);
Participation in the system of state insurance - yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
The presence of bonuses from the bank for the depositor - Yes, all depositors receive a bank debit card as a gift.

Intermediate output: undeniable advantages include the ability to manage your funds online, closing the deposit at any time without losing accrued interest.

Official website of the bank.

Contributions to Renaissance Credit

The maximum percentage is 9.75% (also depends on the type of deposit);
The minimum amount of the first installment is 1000 rubles;
Frequency of interest calculation - directly dependent on the type of investment. Monthly accrual and accrual at the end of the term are provided;
How to open a deposit
Opportunity to replenish the deposit - depends on the type of investment. For example, the Renaissance Profitable deposit cannot be replenished, while others can be replenished in several ways. You can deposit money at the bank’s cash desk, make a transfer through the Internet bank, through a self-service terminal;
Possibility of partial withdrawal of funds - available, but not for all types of deposits. It is possible when you personally apply to the bank (in cash) or via the Internet (by transfer to another account or bank card). These conditions are valid only for ruble deposits. In addition, if you need to withdraw an amount up to 100,000 rubles, you need to order the amount one day before the withdrawal date, if the withdrawal amount is more than half a million rubles - 3 days before the withdrawal date, if the deposit is in foreign currency - 4 days before the withdrawal date.
Participation in the system of state insurance - yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
The presence of bonuses from the bank for the depositor - not provided.

Intermediate output: it is possible to manage your funds without visiting the bank in person, to open a deposit you only need a passport (if the client is a Russian citizen), but there are also moments that will not suit everyone: not all deposits can be replenished, cash for withdrawal must be ordered in advance.

Official website of the bank.

Deposits in VTB 24 for individuals persons

The maximum percentage is 7.85% per annum, but it also depends on the amount that was deposited when opening the deposit;
The minimum amount of the first installment is 100,000 rubles;
Frequency of interest calculation - monthly (to the client's account for use or for capitalization);
How to open a deposit in bank branches, online via the Internet;
Opportunity to replenish the deposit - depends on the choice of the type of deposit (the "Cumulative" and "Comfortable" deposits can be replenished);
Possibility of partial withdrawal of funds - available, on the terms of the bank;
Participation in the system of state insurance - yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
The presence of bonuses from the bank for the depositor - Yes, when connected via the Internet, there are also premium packages for customers.

Intermediate output: of the negative points: a rather serious amount for the first installment, the range of deposits is small: there are only three of them (but this can hardly be called a significant minus). At the same time, there are loyalty programs for customers, a convenient Internet bank.

Official website of the bank.

Deposits in Rosselkhozbank

This bank has a fairly wide selection of deposits, or rather, there are 11 of them.

After analyzing the selected characteristics, you can see the following picture:

Max percentage–10.9% (if the term of the deposit is more than 1 year);
The minimum amount of the first installment is depends on the chosen type of deposit, from 10 rubles (Demand deposit);
Frequency of interest calculation - quarterly, monthly, at the end of the deposit term;
How to open a deposit in bank branches, remotely;
Opportunity to replenish the deposit - available, except for the deposits "Golden" and "Amur Tiger";
Possibility of partial withdrawal of funds - available;
Participation in the system of state insurance - yes, all deposits up to 1 million 400 thousand rubles are insured by the state;
The presence of bonuses from the bank for the depositor - yes, you can get the Amur Tiger card for free, the yield of which is 7% per annum.

Intermediate output: affordable amount of the first installment, deposits are insured by the state, the ability to manage your finances without leaving your home.

Official website of the bank.

Deposits in Binbank

The maximum percentage is 8.4% (for the "Monthly income" deposit);
The minimum amount of the first installment is 10,000 rubles (except for the Piggy bank savings account);
Frequency of interest calculation - on the "Magnificent Seven" deposit - daily, on the "Monthly income" deposit - monthly, on the "Multi-currency" deposit - at the end of the term;
How to open a deposit Internet banking, any branch of the bank;
Opportunity to replenish the deposit - yes, except for the “Investment in the Future” product;
Possibility of partial withdrawal of funds - yes, for the "Magnificent Seven" deposit and the savings account "Piggy Bank";
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - the opportunity to use the services of a personal consultant for free.

Intermediate output: when placing, it is possible to receive accrued interest daily, and it is also clear that the amount of the first installment is relatively small.

Official website of the bank.

Deposits in Gazprombank

The maximum percentage is 8.0% (on the deposit "Gazprombank Perspektivny");
The minimum amount of the first installment is 15,000 rubles for the main line of deposits and from 100 rubles to 50,000 for special deposits;
Frequency of interest calculation - monthly, or at the end of the term for basic deposits, every quarter and at the end of the term for special deposits;
How to open a deposit in person at a branch or branch of the bank, through self-service terminals;
Opportunity to replenish the deposit - yes, in terms of basic and special deposits;
Possibility of partial withdrawal of funds - only on the deposit "Gazprombank Dynamic" and "Gazprombank Pension";
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - not provided, there is a premium service when opening platinum international cards.

Intermediate output: there are options for deposits with a minimum down payment, as well as the opportunity to receive advice from a personal manager.

Official website of the bank.

Deposits in Alfa-Bank

The bank is large, has branches in many cities. The bank's customers are about 5 million individuals only, not to mention legal entities. It is worth mentioning that the bank takes a very principled position in relation to non-payers, this explains the negative reviews about its work.

Max percentage– 9.8%, on the Life Line deposit;
The minimum amount of the first installment is from 10,000 rubles to 3 million rubles;
Frequency of interest calculation - for most deposits - at the end of the term;
How to open a deposit personal visit to the office, Internet banking;
Opportunity to replenish the deposit - depends on the chosen type of deposit;
Possibility of partial withdrawal of funds - depends on the type of deposit;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - the action "The longer the money is on the account, the higher the interest on the deposit" (for those who have chosen the "Valuable time" deposit).

Intermediate output: it is possible to receive a high income on certain types of deposits, for example, the Pobeda deposit - 10.5%, but the contribution amount is 3 million rubles.

Official website of the bank.

Deposits in Otkritie Bank

The maximum percentage is up to 9.05% (depending on the amount and term of investment);
The minimum amount of the first installment is 50,000 rubles;
Frequency of interest calculation - monthly (to the client's account, or as capitalization);
How to open a deposit at a bank branch or online;
Opportunity to replenish the deposit -
Possibility of partial withdrawal of funds - provided (depends on the type of deposit);
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - when opening via the Internet, the interest on the deposit is higher.

Intermediate output: you can get a higher percentage by opening a deposit via the Internet, it is possible to replenish the deposit, receive interest on the account.

Official website of the bank.

Deposits in Promsvyazbank

The maximum percentage is up to 9.5% per annum (on the deposit "Welcome!");
The minimum amount of the first installment is 10,000 rubles;
Frequency of interest calculation - monthly;
How to open a deposit
Opportunity to replenish the deposit - available, except for the “Strong interest” deposit;
Possibility of partial withdrawal of funds - yes, without losing interest (on the deposit "Maximum Opportunities");
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - for premium clients there is a surcharge to the basic percentage - 0.25%.

Intermediate output: It is possible to partially withdraw funds without losing accrued interest.

Official website of the bank.

Deposits in Sovcombank

The maximum percentage is up to 9% per annum;
The minimum amount of the first installment is 30,000 rubles (moreover, it is permissible to deposit them not immediately, but within 10 days);
Frequency of interest calculation - monthly, or at the end of the validity period;
How to open a deposit via the Internet, in person at the bank office;
Opportunity to replenish the deposit - available;
Possibility of partial withdrawal of funds - provided, but depends on the chosen type of deposit;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - increased interest when opening a deposit via the Internet.

Intermediate output: there is an opportunity to replenish all types of deposits every month, a serious plus is the ability to make the first installment several times.

Official website of the bank.

Deposits in the Bank of Moscow

The maximum percentage is up to 10% per annum + 0.3% if the deposit is opened in the terminal or via the Internet;
The minimum amount of the first installment is any (for the Savings Account deposit), from 1 to 100,000 rubles for other deposits;
Frequency of interest calculation - every month / capitalization (at the choice of the client);
How to open a deposit through the Internet bank, at the bank office in person, or through an ATM;
Opportunity to replenish the deposit - available (on the "Maximum Growth" and "Maximum Comfort" deposits);
Possibility of partial withdrawal of funds - available (except for deposits "Maximum income" and "Seasonal");
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - an increased percentage when opening via the Internet, as well as for payroll clients and pensioners.

Intermediate output: this bank offers increased deposit rates for payroll card holders, for people of retirement age. It is also possible to open a deposit in favor of another person. For this, it is necessary, in addition to the client's passport, to provide the necessary data on the person in whose name the deposit will be opened.

Official website of the bank.

Maximum percentage - 8%;
The minimum amount of the first installment is from 1000 rubles to 10000 rubles;
Frequency of interest calculation - from every 30 days to every 100 days;
How to open a deposit at bank offices and online;
Opportunity to replenish the deposit - there are no restrictions;
Possibility of partial withdrawal of funds - no, except for the "Mobile" deposit;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - for deposits that are opened on the recommendation of an existing investor, he receives 500 rubles.

Intermediate output: the bank has several lines of deposits for individuals. Also, the amount of the first installment is low, from 1000 rubles.

Official website of the bank.

Deposits in Home Credit Bank

The maximum percentage is 9.06% (with capitalization);
The minimum amount of the first installment is 1000 rubles for all types of deposits;
Frequency of interest calculation - on a number of deposits monthly or at the end of the term;
How to open a deposit in person at a bank branch, via Internet banking;
Opportunity to replenish the deposit - yes, for the entire line of deposits;
Possibility of partial withdrawal of funds - not provided;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - only for owners of the "33%" deposit

Intermediate output: There is no possibility of partial withdrawal of funds, but at the same time, the entire line of deposits is replenishable.

Official website of the bank.

Deposits in Mosoblbank

The maximum percentage is 9.5% (on the "Pension" deposit);
The minimum amount of the first installment is from 10,000 to 300,000 rubles;
Frequency of interest calculation - every month;
How to open a deposit in the bank's offices in person, the opportunity to apply for opening via the Internet;
Opportunity to replenish the deposit - yes, for all types of deposits;
Possibility of partial withdrawal of funds - yes, except for the "Personal" deposit;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - when opening a “Personal” deposit, it is possible not to lose high interest and at the same time receive monthly payments to the account.

Intermediate output: there are 4 types of deposits to choose from, it is possible to receive monthly payments.

Official website of the bank.

Deposits in Bars Bank

The maximum percentage is 8,5%;
The minimum amount of the first installment is from 5000 to 1 million rubles;
Frequency of interest calculation - daily (on demand deposits);
How to open a deposit in person or through the system online;
Opportunity to replenish the deposit -
Possibility of partial withdrawal of funds - at any time (on demand deposits);
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - the opportunity to open a deposit in the name of a minor, as well as an incompetent person.

Intermediate output: obvious advantages include the possibility of replenishment and partial withdrawal of funds, as well as opening a deposit in the name of a third party.

Official website of the bank.

Deposits in Post Bank

The maximum percentage is up to 9% per annum;
The minimum amount of the first installment is from 5 to 500,000 rubles;
Frequency of interest calculation - monthly, quarterly;
How to open a deposit through mobile banking, internet banking, in person;
Opportunity to replenish the deposit - available;
Possibility of partial withdrawal of funds - available;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor -+0.25% for opening a deposit for persons of retirement age, or for opening via the Internet, a savings account is also opened free of charge and a Visa card is issued free of charge.

Intermediate output: the bank provides bonuses for depositors, and deposits can be closed ahead of schedule without losing interest.

Official website of the bank.

Deposits in Russian Standard Bank

The maximum percentage is 9%;
The minimum amount of the first installment is 10,000 rubles;
Frequency of interest calculation - monthly, quarterly, or at the end of the deposit term;
How to open a deposit in person or via Internet Banking;
Opportunity to replenish the deposit - available;
Possibility of partial withdrawal of funds - available;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - information is not shown.

Intermediate output: the bank has a choice of several types of deposits, it is possible to replenish the deposit.

Official website of the bank.

Deposits in bank Yugra

The maximum percentage is 10.5% (for the "Christmas Gift" deposit);
The minimum amount of the first installment is 100 rubles (on demand deposit);
Frequency of interest calculation - monthly;
How to open a deposit in any branch of the bank, there is also an online service;
Opportunity to replenish the deposit - available;
Possibility of partial withdrawal of funds - available;
Participation in the system of state insurance - Yes;
The presence of bonuses from the bank for the depositor - information is not shown.

Intermediate output: an available amount for opening a deposit, there is an online service, you can replenish and withdraw funds.

Official website of the bank.

Deposits in Uralsib Bank

The maximum percentage is to 10%;
The minimum amount of the first installment is 100 rubles (depending on the type of deposit);
Frequency of interest calculation - monthly;
How to open a deposit via the Internet, in person at the bank office;
Opportunity to replenish the deposit -
Possibility of partial withdrawal of funds - available (depending on the type of deposit);
Participation in the state insurance system - Yes;
The presence of bonuses from the bank for the depositor - information is not shown.

Intermediate output: the bank has a fairly wide selection of deposits, it is possible to open a deposit via the Internet.

Official website of the bank.

Comparative analysis of banks

Important: this table is compiled on the basis of data obtained from official resources presented in the material of banks! Data may change depending on changes in the policy of the banking organization.

Banks are arranged in descending order of the maximum interest rate

Bank	Max. % on deposits	Conditions for obtaining max. %	Minimum down payment	Bonuses
UBRD	11,0%	when opening the "Holiday" deposit	1000-10000 rub.	"Bring a Friend" Campaign
Rosselkhozbank	10,9%	when opening a deposit for a period of more than 1 year	from 10 rub.	free card attached to the deposit
Bank "Ugra	10,5%	only on the "Christmas gift" deposit	100 rub. (on demand deposit)	information not shown
Bank of Moscow	10,3%	if the deposit is opened via the Internet	1 ruble - 100,000 rubles.	for pensioners and payroll clients
Uralsib	to 10%	depends on the type of deposit	100 rub. (depending on the type of deposit)	information not shown
Bank Tinkoff	9,83%	depends on the type of deposit	50000 rub.	debit card as a gift
Alfa Bank	9,8%	only on the Life Line deposit	10,000–3 million rubles	only for owners of the "Valuable time" deposit
Renaissance	9,75%	when opening the deposit "Renaissance Profitable"	depends on the type of deposit	information not shown
Mosoblbank-Promsvyazbank	by 9.5%	depends on the type of deposit	10000/10000 rub.	For those who opened a "Personal" deposit / for premium clients +0.25 to the main %
Bank opening"	9,05%	depends on the amount and term of investment	50000 rub.	when opened over the Internet
Post Bank/Russian Standard/Sovcombank	by 9.0%	The Post-Bank only accepts deposits in rubles, not in foreign currency.	5000/10000/30000 rub.	for pensioners / no / for opening via the Internet
Sberbank	8,8%	depends on the type of deposit	1–30,000 rubles	Mortgage and consumer benefits lending
Bars Bank	8,5%	depends on the type of deposit	5000 rub.	you can open a deposit in the name of a third party
Binbank	8,4%	Only on the "Monthly income" deposit	10000 rub.	personal manager services
Gazprombank	8,0%	Only for Gazprom Perspektivny deposit	15000 - on the main line of deposits and from 100 rubles. - by special	only for premium clients
VTB	7,85%	depends on the deposited amount	100000 rub.	the opportunity to receive premium packages of services

So, dear readers! What conclusions can be drawn based on all the analyzed information?

Firstly, it is not only possible, but necessary, to open deposits. As we can see, many banks are ready to provide various benefits and bonuses for opening a deposit with them. In particular, Sberbank is quite loyal to its depositors in terms of approving mortgage and consumer loans.

Secondly, some large and stable banking organizations (VTB, Sberbank) provide far from the most favorable conditions for deposits, in particular, not very high interest rates. In addition, VTB offers to make a rather large amount of the first installment in order to open a deposit. In the current economic situation, not everyone can do it.

Of course, Tinkoff Bank is worth attention, which does not offer the highest interest on the deposit, but provides the opportunity to use a debit card, as well as a credit card, which gradually increases the limit (from personal experience).

You can talk a lot, but in any case, everyone will choose a bank that is most suitable for him in terms of conditions and it is far from a fact that the priority will be precisely the high rate on the deposit. Everything else is just the subjective opinion of your obedient servant.

And now let's talk about how you can open a deposit to socially unprotected categories of citizens. In particular, we will talk about contributions for pensioners.

Contributions for pensioners

The banking system does not stand still, but rather successfully develops in our country. now older people can afford it, thanks in large part to the mass of loyalty programs developed by the largest banks.

Under good interest, deposits from pensioners are accepted by all serious and stable banks in Russia (Sberbank, VTB, Bank of Moscow, Sovcombank). At the same time, it is possible to use large packages of additional services absolutely free of charge.

Let us consider in more detail what conditions for pensioners are valid today.

Sberbank

This bank has developed a range of services for the elderly. The most popular are deposits "Replenish" and "Save". Interest is charged at the rate of 7.1/7.6 respectively. The minimum deposit is only 100 rubles. It is allowed to make payments every month on the “Replenish” deposit, as well as use interest at your own discretion.

VTB

In this bank, the conditions for pensioners are very comfortable. Although there is a minus: rather high minimum contributions for all lines of deposits (from 15 to 30 thousand rubles). Interest rate for pensioners from 4.35% to 8.5%.

Bank of Moscow

Developed 3 interesting proposals for the category of citizens under consideration with a minimum contribution of 1 to 10 thousand rubles. For each of the deposits, replenishment of the amount is allowed. Interest rate from 2.9% to 7.9%.

Sovcombank

Preferential categories of citizens (a prerequisite is age over 60 for men and 55 for women) can open a deposit with a minimum amount of 500 rubles. It is valid for 6 months, and the interest rate will be 11% per annum. You can withdraw money once a month or at the end of the deposit term. Replenishment is allowed without restrictions.

Deposits for persons of retirement age have recently become very popular among the older generation. They have higher rates, the conditions are very loyal.

Deposit: what is it?

Deposit - this is the amount of money or securities that are stored in the bank, while the bank uses them in its financial transactions, and the depositor receives interest for this.

There are 3 types of such deposits:

Classical;
With the ability to replenish;
With the ability not only to replenish, but also to withdraw part of the money.

Classic deposit - This is an account that cannot be replenished and money cannot be withdrawn.

Deposit with the ability to replenish - You can deposit money into this account, but you can't withdraw it.

With the third type of deposit, everything is simpler: by opening it, the depositor has more freedom in handling his funds, but he will also receive less interest.

Also, any transaction with money and securities contains "pitfalls", which are worth mentioning:

If the amount deposited into the account is small, then you will not receive a large profit;
Opening a deposit for a short period is unprofitable, the profit is insignificant;
Interest on the deposit is taxed (negotiated at the conclusion of the contract).

The pros are:

Ability to manage your account;
At any time the deposit can be claimed;
When using a deposit with capitalization, the profit increases.

How is interest calculated on a bank deposit?

Deposit interest - This is the type of remuneration that the bank pays to the depositor for using his funds.

For a simplified calculation, use the following formula:

S = (P*I*t/K)/100

S is the amount of accrued%;
P - the deposited amount;
I - interest on the deposit for the year;
t – accrual period (days);
K is the number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles for 1 year at 10.5% per annum. His income will be: 300,000*10.5*365/365/100=31,500 rubles.

If the deposit is capitalized, the interest is calculated as follows:

S = (P*I*j/K)/100

S - the amount of accrued%;
P - the deposited amount, as well as all subsequent amounts increased as a result of capitalization;
I - interest on the deposit for the year;
j is the number of days in the period for which capitalization will be made.
K is the number of days in a year.

Example: citizen D. opened a deposit in the amount of 300,000 rubles with a capitalization for 3 months at 10.5% per annum. His income will be: (300,000*10.5*30/365)/100=2589 rubles (for one month).

As we can see, there is nothing complicated in the calculation, despite the “threatening” appearance of mathematical formulas.

What is the risk of a person opening a deposit in a bank

All risks are conditionally divided into several categories. In this part, we will consider how to avoid them, or make losses minimal.

So, there are the following types of risks:

Bankruptcy of the banking organization itself;
Reinvestment;
Collection of tax payments;
Growth of rates for deposits opened for a long period.

The first group of risks is reduced to a minimum simply: money is placed in different banks in the amount of up to 1 million 400 thousand rubles (deposits up to this amount are insured by the state).

When reinvesting, the situation may be as follows: the client opened a deposit for 6 months at 9% per annum, and after 6 months the rates fell, he will receive 7%.

Tax payments will be charged if the rate on your deposit becomes higher than the refinancing rate by 5%. Then a tax of 35% will be taken from the excess.

The risk of increasing deposit rates is as follows: the client opened a deposit for a long time at 11% per annum, and a year later the rates increased to 14%, which means the client will lose 3%.

General advice: to minimize risks, carefully choose a banking organization, as mentioned earlier!

In what currency to open deposits for individuals

In the light of the events that are taking place not only in the domestic, but also in the global economy, experts advise keeping your savings in several types of currencies: rubles, euros and dollars. In addition, some banks offer to open multi-currency deposits. . On the other hand, there are those who accept savings only in ruble terms (Post-Bank).

In general, at the moment we can say that all world currencies are unstable. Therefore, the most correct decision would be: for 60% of the amount, open a ruble deposit, and the rest is equally divided between foreign currencies. We conduct calculations in rubles, so the amount of such a contribution will exceed the rest.

This principle of distribution will allow you to save the earned funds as much as possible.

In conclusion of today's conversation, I would like to note that deposits are a profitable financial instrument. They are safer and more transparent than loans, but before opening a deposit, study all the conditions.

Do not be afraid to seem like a picky client: ask all your questions to a bank employee, carefully read the contract.

Video about bank deposits

And in the end, we offer you to watch a useful video:

Payment of insurance indemnities

Deposit archive

Video footage

Payment of insurance indemnities

Dear contributors!

Expobank LLC performs the functions of an agent bank of the State Corporation "Deposit Insurance Agency" for the payment of insurance compensation to depositors of banks participating in the deposit insurance system:

For individual entrepreneurs– on deposits (accounts) related to entrepreneurial activity. Payments to individual entrepreneurs are made, among other things, on deposits (accounts) not related to entrepreneurial activity, to depositors: OJSC Bank Russian Credit

Payments to depositors - individuals

Payments are made:

within 3 working days from the date of receipt of the application and documents, in Russian rubles by bank transfer to an account (deposit) in Expobank or to an account with a third-party bank, without deduction of commission and (or) other remuneration;
no later than the next working day from the date of receipt of the application and documents, in Russian rubles by receiving cash at the cash desk of Expobank;

Information for opening a deposit in Expobank

Expobank offers highly profitable deposits:

Opening a deposit is possible as soon as possible at the time of receipt of the insurance indemnity at any Expobank office that pays out insurance indemnities. You can find detailed information about the conditions for opening a deposit with Expobank in the Deposits section.

To receive the insurance compensation, the depositor must submit the following documents to Expobank:

when applying for compensation from a person who is not a depositor, the applicant (legal representative of the depositor, heir of the depositor) submits, in the prescribed form, an identity document of the applicant, as well as all necessary documents confirming the applicant's right to represent the interests of the depositor or, on other grounds, dispose of compensation due to the depositor. If the applicant's authority is confirmed by an appropriate power of attorney, it must be notarized. The power of attorney must include the authority to represent the interests of the depositor when receiving insurance compensation or be of a general nature (general power of attorney), i.e. contain the authority to use and dispose of all the property of the principal and exercise his rights and obligations, including representation before any third parties on all issues and to conduct any business on behalf of the represented. An approximate text of the power of attorney is also available on the DIA website.

Forms of documents:

Payments to depositors - individual entrepreneurs

The procedure for obtaining insurance compensation

Payments are made:

within 3 working days from the date of receipt of the application and documents;
in Russian rubles by non-cash transfer to an account with Expobank or to an account with a third-party bank, without deduction of commission and (or) other remuneration (when paid to individual entrepreneurs or individuals);
in the amount specified in the Register of insurance indemnity payments provided by Expobank LLC by the State Corporation Deposit Insurance Agency.

Information for opening an account with Expobank

In Expobank you can open a current account in rubles. Opening an account is possible in the shortest possible time at any branch of Expobank. You can find detailed information about the required package of documents in the Settlement and cash services section.

To receive insurance compensation, you must submit the following documents to Expobank:

Application for the payment of compensation on deposits and for the inclusion of the bank's obligations in the register of creditors' claims in the form established by the State Corporation "Deposit Insurance Agency";
an identity document of the depositor, the details of which are specified in the bank deposit agreement, or a document proving the identity of the depositor and containing information about the details of the identity document of the depositor specified in the bank deposit agreement;
if the identity document submitted by the depositor does not contain information about the details of the document specified in the bank deposit agreement, the depositor must submit a certificate issued by the authorized body that issues and replaces identity documents confirming the replacement of the document and containing the details of the replaced ( specified in the deposit agreement) and a newly issued document;
Certificate of registration with the tax authority (TIN) of an individual entrepreneur;
Certificate of state registration of an individual as an individual entrepreneur (OGRNIP). If at the time of payment of compensation an individual entrepreneur is declared insolvent (bankrupt), then a certificate (or other document) issued by the bankruptcy trustee or the court that decided to recognize the depositor as insolvent (bankrupt) is attached to the application for payment of compensation on deposits (if the bankruptcy trustee is not appointed) that the account indicated in the application is the debtor's account (the debtor's main account) used in the course of bankruptcy proceedings opened against the depositor, or the debtor's current account opened on his behalf by the bankruptcy trustee, or the deposit account of the court;
when applying for compensation from a person who is not a depositor, the applicant (legal representative of the depositor, heir of the depositor) submits an Application for payment of compensation on deposits in the prescribed form, an identity document of the applicant, as well as all necessary documents confirming the applicant's right to represent interests depositor or on other grounds to dispose of the compensation due to the depositor. If the applicant's authority is confirmed by an appropriate power of attorney, it must be notarized. The power of attorney must include the authority to represent the interests of the depositor when receiving insurance compensation or be of a general nature (general power of attorney), i.e. contain the authority to use and dispose of all the property of the principal and exercise his rights and obligations, including representation before any third parties on all issues and to conduct any business on behalf of the represented. An approximate text of the power of attorney is also available on the DIA website.

Forms of documents:

If the amount of insurance indemnity exceeds 1,400,000 rubles, you need to file a Creditor's Claim. The applicant has the right to independently submit a claim to the provisional administration.

Depositors of banks in respect of which an insured event has occurred can receive information on the procedure for paying insurance compensation by calling the single reference number of Expobank LLC 8 800 500 07 70 (toll-free) or by calling the Deposit Insurance Agency (DIA) hotline 8 800 200 08 05, as well as on the DIA website http://www.asv.org.ru.

Information about the address of the provisional administration is provided by calling the hotline of the Deposit Insurance Agency (DIA) 8 800 200 08 05, as well as on the DIA website.

Deposit archive

2019 2018 2017 2016 2015

29.05.2018

DEAR CLIENTS!

For home and family - Contributions
Expobank Premier - Deposits

09.02.2018

DEAR CLIENTS!

You can get acquainted with the new values of conditions and interest rates on the website in the section:
For home and family - Contributions
Expobank Premier - Deposits

22.01.2018

DEAR CLIENTS!

We would like to inform you about changes in term bank deposits for individuals, effective from 29.01.2018:

new deposits “Save by the season!”, “Actual” and “Maximum” deposits are launched
the conditions of deposits "Capital", "Dynamic", "Dynamical Ultra", "Universal", "Universal Ultra" are improved
interest rates on "Universal", "Universal Ultra" deposits change when placing a deposit in US dollars for 365 days.

13.11.2017

DEAR CLIENTS!

We inform you about changes in term bank deposits for individuals:

On November 15, 2017, certain conditions and interest rates of time bank deposits in US dollars are changed
from November 20, 2017, a new premium deposit "Rozhdestvensky" is put into effect

25.10.2017

DEAR CLIENTS!

From October 25, 2017, some conditions and interest rates of fixed-term bank deposits for individuals will change.

You can get acquainted with the new values of conditions and interest rates on deposits of individuals on the website:
Conditions of basic deposits
Terms of premium deposits

Sincerely, Expobank LLC

17.10.2017

Dear Clients!

From October 17, 2017, conditions and interest rates on deposits of individuals are changing.

22.09.2017

Dear Clients!

From September 22, 2017, the conditions and interest rates for deposits of individuals will change.

15.08.2017

Dear Clients!

From August 15, 2017, the conditions and interest rates for deposits of individuals are changing.

01.08.2017

Dear Clients!

From 01.08.2017, conditions and interest rates on deposits of individuals are changing.

26.05.2017

Dear Clients!

From May 26, 2017, the conditions and interest rates for deposits of individuals will change.

14.04.2017

Dear Clients!

From April 14, 2017, the conditions and interest rates for deposits of individuals in Moscow will change. From April 17, 2017 - in the regions

08.12.2016

DEAR CLIENTS!

From 08.12.2016 conditions and interest rates on deposits of individuals are changed.

For home and family - Contributions
Expobank Premier - Deposits

07.11.2016

DEAR CLIENTS!

From 07.11.2016 conditions and interest rates on deposits of individuals are changed.

For home and family - Contributions
Expobank Premier - Deposits

17.10.2016

DEAR CLIENTS!

From October 17, 2016, the conditions and interest rates for deposits of individuals are changing:

the acceptance of the "Multicurrency" deposit is cancelled;
the minimum amount for opening a "Basic" deposit is changed;
interest rates on fixed-term bank deposits in roubles.

You can learn more about the new terms and interest rates for deposits of individuals on the website in the section:
For home and family - Contributions
Expobank Premier - Deposits

01.09.2016

DEAR CLIENTS!

From 01.09.2016 conditions and interest rates on deposits of individuals are changed.