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The most profitable deposit in banks. Deposits have high rates. Mistakes we make when choosing a bank

In 2019, deposits for 6 months are very popular. This is partly due to the difficult period that the Russian economy is going through today. Not many people are now ready to plan their income and expenses for a long period of time, and therefore prefer investments for a short period of time.

Bank deposits with interest for six months are good way investing money, taking into account that you can get a high rate and not part with your funds for a long time.

Which deposit should I make for 6 months to get the maximum interest?

This page contains deposits with a high rate for a period of 6 months, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is structured in the form of a rating from the highest percentage to the lowest. Everyone can compare conditions and rates to choose the best offer.

Deposits for six months with a high rate in large banks

Contribution "At the Top"

Credit Bank of Moscow

Deposit "MEGA Online"

Without capitalization / Payment of interest monthly / Without partial withdrawal / Replenishment

Post Bank

Deposit "Capital (online)"

Without capitalization / Payment of interest at the end of the term / Without partial withdrawal / Replenishment

FC Otkritie

Deposit "Reliable"

Deposit "Profitable online"

No capitalization / Interest payment at the end of the term / No partial withdrawal / No replenishment

“Growth Time” contribution

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit "Save Online"

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit calculator for 6 months

Are bank deposits insured for 6 months?

Yes. Subject to insurance cash individuals, located in the bank in deposits and accounts, including foreign currency ones. 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 rate established by the Bank of Russia on the day the insured event occurred.

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

Conclusions: why today it is profitable to open a deposit for six months

Deposits for 6 months refer to short-term investments. They may be of interest to those clients who are not saving “for old age”, but, for example, are planning to save money for their next vacation. And some choose such deposits in order to add up the “ladder of deposits” and receive increased income.

In addition, a number of experts note that during periods of market instability, short-term deposits for 3 - 6 months may be the most the best option for investing savings. After all, in this way you can minimize inflation risks and get a good income.

Deposits for 6 months are a good way not only to preserve, but also to increase your savings. By the way, if you wish, you can extend the deposit agreement under the same conditions or withdraw the required amount to use it for planned purchases.

Please 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 the 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 based on it.

It is important for every person not only to save, but also to increase their savings. Financial institutions offer Russians various deposit programs. Before choosing an option for a profitable investment, it is worth considering the available deposits in Moscow banks at the maximum interest rate with different conditions, rates, terms of placement of funds and available operations. All deposits differ in currency, presence or absence of capitalization, method of interest payment and other parameters.

Profitable deposits in Moscow banks

In the Russian capital there are more than 50 different financial institutions offering the population different types deposits, so choosing the best option for yourself is difficult. To deposit money at the maximum interest rate, you need to determine the important parameters of the future account:

currency;
possibility of replenishment;
the ability to perform expense transactions;
reliability of the financial institution.

In addition, the most profitable deposits in Moscow you should choose according to the conditions. For those who would like to quickly accumulate a significant amount, banks develop time deposits for 2, 3 and 6 months. Another investment option is partnership programs with insurance organizations. In this case, the client takes out a life and health insurance policy and receives attractive deposit conditions. Open deposits in Moscow under high percent Russians can in banks serving them salary cards. Issuers are constantly preparing special programs with increased rates for their clients.

Profitable deposits in rubles

It is worth noting that the rate on ruble deposits is much higher than on foreign exchange programs. If the client plans to spend money in Russia in the future, then choosing dollars or euros for investments would be inappropriate. Financial institutions in the capital offer a large selection of deposits for individuals. Before you place your money in your account, you should not only read the terms and conditions, but also check. Sometimes high interest rates on deposits are offered by unreliable financial institutions in order to attract capital.

When choosing an organization for storing and increasing savings, it is worth considering that ruble deposits in Moscow banks with rates of more than 11-12% per annum are, as a rule, just a publicity stunt and should raise certain suspicions. Large financial institutions, such as VTB 24, Sberbank of Russia, Alfa Bank, offer rates on ruble accounts of no more than 8.5%.

Check out the profitable deposits in Moscow today in the table:

Bank's name	Program
"Moscow City"	"Cumulative"	Rate up to 9.25%, monthly capitalization, additional contributions available.
Premier Credit Bank	"Beneficial cooperation"	Rate up to 9.5%, replenishable.
JSCB "Peresvet"	"Rational"	Up to 9.3% per annum, replenishment.
	"Investment"	Rate up to 9.25% per annum, without income and expense transactions.
"Oriental"	"Oriental"	Up to 8.45% per annum, without the possibility of replenishment and partial withdrawal.
"TransCapital Bank"	"Spring hit"	Up to 8.95% per annum, capitalization, replenishment.

Deposits in foreign currency at high interest rates

Modern financial institutions offer a wide range of services and products. Deposit programs provide for the opening of not only ruble accounts, but also foreign currency ones. This investment option is especially relevant for those who plan to spend their money abroad, avoiding unprofitable conversion. Currency deposits Many financial organizations in Moscow offer them at a high interest rate. However, the rate on such programs is significantly lower than on ruble deposits. The table below presents the most attractive offers for residents of the capital:

Maximum deposits in Moscow banks (currency – US dollar)
Bank's name	Program
"UniCredit Bank"	"For life"	Rate 2-3%, monthly capitalization, without replenishment, expense transactions.
"Promsvyazbank"	"Tradition of Success"	Rate up to 1.05-2%, replenished, with capitalization of interest.
	"Gold standard"	Up to 1.5-2.5% per annum, replenishment, capitalization.
High deposits in Moscow banks (currency – €)
Bank's name	Program
"Megapolis"	"Urgent"	Rate 0.55-1.8%, no additional contributions, partial withdrawal.
"Prime Finance"	"Classic"	Rate 0.4-1.6%, no replenishment, partial withdrawal.
	"Your savings"	Rate: 0.5-1.8% per annum, replenishment, monthly capitalization.

Pension deposits

Majority credit organizations offers special conditions for deposits for pensioners. For this category of the population, maximum interest rates and preferential options for early account closure are available. A pension deposit with a high interest rate is opened only if you have the appropriate ID and passport. If the client receives a pension through a financial institution, then the money can be invested through the issuer’s remote service system.

Before making a final decision, compare the advantageous offers of Moscow banks for this category of citizens. See the table for specific deposits in Moscow banks at the maximum interest rate for pensioners:

The best deposits in Moscow banks

Every potential investor is interested, first of all, in the profitability of the deposit. All investments up to 1.4 million rubles are under state protection. However, the best interest rates on deposits in Moscow banks can be found among offers from far from the most reliable financial organizations, subsidiaries or franchisees that have opened recently and for a short period of time. Rules:

Before you start drawing up an agreement with the issuer, you should make sure that it is in the top 10, 20 or 50 best.
Placing funds at a higher interest rate guarantees a decent income, and cooperation with a reliable issuer guarantees peace of mind.

Valid for up to a year

For those who plan to receive maximum income in a short time, there are time deposits. Such products are designed for 3-6 months, after which the investor receives his money along with accruals. Deposits for 6 months at a maximum interest rate are especially convenient when you need to save up for a vacation, purchasing a car or repairs, because they allow you to save and increase your savings.

Look at the table for offers with a period of 6 months:

Bank deposits for a year

Most financial institutions are ready to offer maximum interest rates on bank deposits, subject to long-term placement of funds in accounts. Offers designed for 12-36 months provide high returns and great opportunities. When choosing the optimal option, you can make a comparison by:

conditions;
minimum amounts;
availability of capitalization and other parameters.

Residents of the capital can open a deposit for 1 year using one of the offers from the table below:

Reliable deposits in Moscow banks

All banks in the capital have their own range of deposits. When considering different offers, some clients pay more attention not to possible income, but to the rating of the issuer company. Choose reliable bank with high interest rates on deposits can be from the list below. All organizations are included in the official top 10, have impeccable reputation, high rating.

Offers from the most reliable banks in Moscow:

“Profitable online” from VTB 24 provides income of up to 7.55% per annum. The account is opened for a period of 3 months to 5 years, subject to placement of at least 100 thousand rubles.
“Classic” from Rosselkhozbank. The product is designed for different categories of clients, so you can open an account in any currency for a period from 1 month to 7 years. The client must deposit at least 3 thousand rubles into the account. The yield under the program reaches 8.2% per annum.
“Promising” from Gazprombank. To open a deposit, the client must deposit an amount of at least 15 thousand rubles into the account. Domestic or foreign opening currency available. The rate is calculated individually, up to 8%. The deposit is valid for up to 3 years.
“Memory of Generations” from Sberbank. This product was developed specifically for Victory Day. Clients can grow their savings and help military veterans at the same time. The rate is calculated individually, the maximum available income under the program is 7% per annum. To open a deposit, you need to deposit at least 10 thousand rubles.

Rating of deposits in Moscow banks today

Those who believe that savings should provide additional income should consider the current offers of financial institutions. Maximum rates can be obtained as part of current promotions and seasonal offers. The rating of deposits in Moscow banks is formed on the basis of customer reviews and the conditions offered by issuers. Although it is difficult to combine reliability and maximum profitability, it is important not to neglect the reputation of issuers. Below are popular offers from Moscow banks with detailed description parameters.

Asia-Pacific Bank – Investment deposit

One of the most attractive offers is the ATB product. The deposit parameters are as follows:

The offer is available to clients who have issued an ILI policy from a bank partner.
The term for placing funds on the account is 6 or 12 months.
The amount is not less than 167 thousand rubles.
The currency is national.
The maximum rate is 10.5%.
There are no outgoing or incoming transactions.
In case of early withdrawal of funds from the account, all accruals are canceled automatically.

Inkarobank – “High Interest” deposit

This offer will be an excellent option for those who plan to accumulate a decent amount over time and increase it. The deposit parameters are as follows:

The account is opened in domestic or foreign currency - your choice.
The down payment must be at least 200 thousand rubles.
Additionally, you can deposit funds with restrictions (at least 20 thousand rubles).
Interest is paid every month to a separate account of the client.
Deposit term: 1-12 months.
Expense transactions on the account are not available.
If the client withdraws cash early, the issuer recalculates charges at the minimum rate.

Krosna-Bank – term deposit

This offer for Moscow residents is different in that bank interest increases along with the amount in the account, so the client can receive a maximum income of up to 9.33%. The conditions are as follows:

The minimum amount to open an account is 30 thousand rubles.
Placement period: 6-18 months.
Accruals are paid to the client quarterly.
Interest capitalization available.
Replenishment without restrictions, no later than 3 months before the end of the deposit period.
Rate: 8.26-9.33%.

Krylovsky Bank – “Suitable” deposit

This proposal is no longer relevant for Moscow residents. However, those who previously opened a deposit continue to receive income under the following conditions:

Amount: from 50 thousand rubles.
Duration of placement of funds: 91-540 days.
Replenishment is available from 30 thousand rubles.
Capitalization of interest is provided.
If an account is closed early, interest is recalculated only for the current quarter.

Bank Standard-Credit – “Term” deposit

For those who are looking for maximum income that grows with the amount deposited in the account, the offer from Standard-Credit Bank will be very tempting. Income transactions are available on the account, regular capitalization of interest and progressive accrual are provided. The main parameters of the product are presented below:

Duration: 1-12 months.
Amount: not less than 100 thousand rubles.
Replenishment is available with restrictions (from 20 thousand rubles).
Monthly interest payments into a separate account are available.
The interest rate is constantly growing, the maximum income is 9.93% per annum.
If the account is closed early, interest is recalculated at the minimum rate.

Bank Modern business standards – “Urgent replenishment”

For those who plan to accumulate a substantial amount, this product will become great solution. The deposit provides for incoming transactions, a growing rate, maximum size which is 8.5% per annum and payment of accruals after closing the account. Below are the main conditions for Moscow residents:

Duration: 1-2 years.
Currency: domestic, foreign.
Amount to open an account: at least 15 thousand rubles.
The interest rate depends on the selected currency: 8.25-8.5% (rubles) / 1.45-1.6% (dollars) / 0.55-0.60% (euros).
If the account is closed early, income is recalculated at the minimum rate.

Inbank – “Constructor” deposit with interest payment at the end of the term

This offer is suitable for those Moscow residents who want to constantly receive profit from their savings. Interest is paid every month to the owner's separate account. The main parameters of the program are as follows:

The minimum amount to open an account is 700 thousand rubles.
Deposit validity period: 1-36 months.
Receipt/expenditure transactions are not provided.
Rate: 7.55-9.38%.
If an account is closed early, income is recalculated at a minimum rate of 0.1%.

Bank Round – “Classic” deposit

This offer is suitable for different categories of citizens. The account is opened when placing a small amount and can bring income up to 8.3% per annum to its owner. The advantage of the product is attractive rates on foreign currency accounts. The conditions for the “Classic” deposit are as follows:

Currency: national, foreign (euros, dollars).
The first payment is at least 1100 rubles (or equivalent).
Deposit validity period: from 1 to 36 months.
Additional contributions and capitalization of interest are not provided for by the program.
Early withdrawals are not available without loss of accruals.
Maximum percentage: 8.3% (rubles), 5% (euros) or 5.5% (dollars).

Bank Our Home – “Profitable” deposit

This offer is universal for different categories of clients. The client can choose the appropriate currency, term and other parameters taking into account his own preferences. For foreign currency accounts, the deposit does not provide for high income, but a ruble deposit brings the owner maximum accruals of up to 9.5% per annum. The program conditions are as follows:

Duration: 1-36 months.
Currency: rubles, dollars, euros.
The minimum deposit to open an account is 100 thousand rubles.
Income: 7-9.5% per annum.
Interest is paid upon account closure.

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In 2019, deposits for 3 months are becoming increasingly popular. This is partly due to the difficult period that the Russian economy is going through today. Not many people are now ready to plan their income and expenses for the long term, and therefore prefer short-term investments.

Bank deposits with interest for 3 months are a good way to invest money, so you can get maximum income and not part with your funds for a long time.

What deposit should I make for 3 months to get the maximum interest?

This page contains the most profitable short-term deposits for a period of 3 months, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is structured in the form of a rating from the highest percentage to the lowest. Everyone can compare conditions and rates to choose the most suitable product.

Deposits for 3 months at maximum interest rates in large banks

Credit Bank of Moscow

Deposit "MEGA Online"

Without capitalization / Payment of interest monthly / Without partial withdrawal / Replenishment

Rosselkhozbank

Deposit "Profitable online"

No capitalization / Interest payment at the end of the term / No partial withdrawal / No replenishment

FC Otkritie

Deposit "Reliable"

Sovcombank

Convenient deposit

Without capitalization / Payment of interest at the end of the term / Without partial withdrawal / Replenishment

Alfa Bank

Pobeda+ deposit

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit "Profitable"

Capitalization monthly / Interest payment monthly / No partial withdrawal / No replenishment

Deposit calculator for 3 months

Conclusions: why today it is profitable to open deposits for 3 months

Short-term deposits today are becoming increasingly in demand among the population in Russia. This is partly due to the fact that people do not always have the need to place savings in a bank for a year or longer. Some, for example, starting in winter, save money for a summer vacation. Others specifically choose short-term savings programs, trying to form a so-called “deposit ladder.”

In addition, a number of experts note that during periods of market instability, short-term deposits for 3 months may be the best option for investing savings. After all, in this way you can minimize inflation risks and get a good income.

Are bank deposits insured for 3 months?

Yes. Individuals' funds held in bank deposits and accounts, including foreign currency ones, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

It is formed based on the total volume 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 select the best offers in terms of profitability and interest rates.

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

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

Positions in the ranking compiled by independent agencies.
Opinions of clients who have already made transactions with this bank.
Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the institution’s own capital. The more funds, the less likely it is to be declared insolvent.

Rating of banks in Russia by retail deposits in 2019

In 2019, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more confidence in this financial organization. Typically, 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 change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks today is based on reports provided by financial organizations. 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 the ranking by interest rates, the list may be different. When choosing, pay attention to the rating based on the total cost of deposits. It includes additional payments, bonuses and other gifts for investors.

A bank deposit has been and remains the simplest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For Moscow residents, bank deposits are especially relevant: having the opportunity to deposit into an account more money, they can count on higher interest and profits. But which bank should you make a deposit in, and where will it be both profitable and safe?

As for security today, everything is simple: the system state insurance deposits protects depositors from losing money due to bank collapse or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: all you have to do is choose a program with best conditions by deposit - and open an account. Interest rate cuts may resume at the beginning of 2017, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring the highest interest? Where will be the most profitable place to invest money in 2017?

Sberbank

It would be reasonable to start with Sberbank, as the most popular bank among depositors in Moscow. But it’s not very good to make savings in this bank. It's all about the interest rates, which are the lowest among all other banks that we are considering in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, not counting the seasonal offer " Good year» with a rate of up to 8%.

However, the “Manage”, “Save” and “Replenish” deposits are quite convenient for bank clients. There are no strict restrictions on the amount or period: the client can independently choose any period (from 1 month) and deposit even a minimum amount (from 1000 rubles) into the account. On some deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher on average by 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its clients ample opportunities to receive additional income. The Bank offers three deposit products – “Comfortable”, “Accumulative” and “Profitable”. The maximum income is possible on the “Profitable” deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). For a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period from 91 to 181 days. When opening an agreement in Internet banking, the interest will be higher.

Alfa Bank

At the moment, it offers its clients not only loan products, but also whole line deposit programs. The lowest percentage for income-generating (non-accumulative) deposits is 7.10% (the “Potential +” deposit), the highest for the “Victory +” (8.34%) and “Premium +” (7.60%) deposits for the deposit amount from 10,000 rubles. For the Pobeda deposit, you can expect a maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank 0.05% of the deposit amount to the charitable fund for saving sick children " Life line."

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most profitable proposition valid until January 31, 2017 for the “Seasonal” deposit - up to 10% per annum can be obtained by depositing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days; replenishment and partial withdrawal are not provided. Also, under the “Maximum Income” program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year for an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening “Maximum Income”, “Maximum Growth” and “Maximum Comfort” deposits in the Internet Bank, an increased rate applies - +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its investors several savings programs. One of them is the “Profitable Year” deposit, which is opened in both rubles and foreign currency. The “Profitable Year” deposit is issued for a year, the minimum down payment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum Income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the “Maximum Income” deposit is opened only in the Internet Bank. At 8.0% per annum, the “Capital” deposit is opened for a period of 36 months, but without capitalization of interest. Cabinet", the minimum amount of the first payment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of deposit, issued remotely, with interest rates of up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with capitalization - 1.25%). You can count on this percentage for a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, for a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partially withdraw up to the minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% deposit program"Maximum income." The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement when registering on the bank’s website or in the office is from 30,000 rubles, and when opening in the Internet bank – from 10,000 rubles at the same rate. On the “Replenishable” term deposit, the holder of funds can receive up to 9.5% per annum. The shelf life is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate we indicated by placing them for a period of 360 days.

Where is the best place to store money?

As you can see, deposits in Moscow banks are offered at different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. Best Interest for deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate It is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the ability to make incoming and outgoing transactions on the account, because for the most part, high-yield deposits prohibit both replenishment and partial withdrawal of funds; interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.