Learn from the foldable economic situation of 2020, the opportunity to invest pennies so that you earn. One of the ways is to make a large deposit for physical persons. And what about the largest number of deposits in Russia today? Fahіvtsі agency site analyzed the propositions of the largest banks in the country, comparing the outlook for deposits in rubles with the most significant rates.
Contribute physical assets - the traditional way of investing pennies
There are plenty of ways to invest pennies in order to save passive income. You can buy currency and checks, if there is an increase in prices, you can earn pennies on Forex, invest in PAMM accounts, earn income, trading binary options and a lot more.
All these methods of earning pennies are to bring in a high surplus, and they are tied with a singing risk. Banking deposits of physical assets and today are being withdrawn in the most advanced and traditional way of depositing funds in Russia.
We choose the most important contribution: on what to pay respect
When choosing a bank, to whom to give pennies, depositors call for respect for at least two parameters:
- - Interest rate change, which allows you to select a deposit with the maximum income;
- - nadіynіst bank, scho allows you not to transfer the savings to the protection of the hour of the banking crisis.
Get a high high rate and enough money for the bank to do it smoothly. Analysts of the agency tested the site, having learned how to make deposits in rubles of the Russian Federation for physical transactions in foreign banks.
What deposits in other banks of Russia are the most important today
Leather Bank has its own line of profitable deposits for individuals with unique minds.
In order to bring the parameters of deposits in different banks to a blatant banner, we tried to withdraw, as if the most high rates in rubles were offered to those who can make a deposit this year, in 2020.
For the purity of the experiment, we equalized the rates at the largest banks in Russia for deposits in the term 12 months, but such a deposit period is the most popular. They took 1 million rubles like Rozrahunkov's sum. And they also tried to take revenge on the so-called investment propositions of complex propositions for obligatory deposits of pennies of insurance, PIF and shares. The results will have an up-to-date list (check exact rates for deposits with banks).
The most important deposits in the top banks of Russia from the top 10
Moscow Credit Bank
MEGA Online deposit
Replenishment / Without private rent / Without capitalization / Vіdsotki naprikіntsi termіnu
Bank FK Vidkrittya
Deposit "Nadiyny"
Without replenishment / Without private rent / Capitalization / Rakhuvannya vіdsotkіv naprikіntsi termіnu.
Promzv'yazokbank
Deposit "My income"
Without replenishment / Without private rent / Without capitalization / Vіdsotki naprikіntsi termіnu.
Deposit "Accumulation Rahunok"
Without replenishment / Without private rent / Capitalization / Paying for the money.
Post-bank
Deposit "Capital"
Without replenishment / Without private rent / Capitalization / Vіdsotki schomіsyachno
Oschadbank of Russia
Deposit "Take care"
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Interest rate |
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Without replenishment / Without private rent / With capitalization / Paying for hundreds of dollars.
The main types of contributions to physical systems
Today's banks in Moscow show a large number of different types of large deposits for physical assets. Ale їх can be mentally divided into sprat groups:
✓ add terms to find the number of entries. With such a deposit, you give the bank your pennies for the song term (3-6 months, 1 day or 3 years), and in the same hour you cannot take them back without spending a hundred or more money.
✓ contribute physical features that you will improve. With such a deposit, the depositor can collect pennies, popovnyuyuchi rahunok, and at once grow and vіdsotki. However, it is not possible to take money from the rahunka and not spend it with it.
✓ deposit money for private borrowers without wasting money. Such deposits may sound at the lowest possible rates. Let me give you the opportunity to take a part of the money to the back of the negotiated unreduced surplus, for the sum of which you will get hundreds of dollars.
Obviously, if there is an unforeseen situation, if you will need pennies before the end of the deposit, you can always take it away, but if you spend more money, it will be bad. So, if you choose to make a deposit at the bank, it’s better to make a mistake if you take a penny, so that you don’t worry about income.
If you want to know on top of the different options for the choice of available capital, then obov'yazkovo periodically zamslyuєtes about those, as vigidno zberigat and zbіlshuvati their salaries. So, you can win a sum of money in a different way: just hide it in a dark place, invest in business, buy invincibility, and so on. Why, you can go back to the bank and see the options for making deposits. Whether a deposit program will allow you not only to know for your own funds the extra space of savings, but also to take additional income from the interest that is being paid.
Bank deposit rates
One hundred of the most important minds for deposits, be it a deposit program, and determine which income you can take from the result.
Rates for deposits to lie down depending on other parameters, but before the stink is dictated by the type of deposit, which one you want to issue:
- terminovі deposits with a short exchange period of saving your money from the bank, are characterized by the largest credits, tk. the bank is guaranteed to know how much time you spend on your money;
- no-string or short-term deposits, for the minds of any and all, you can take all pennies, sound accompanied by lower rates on deposits from banks.
Obviously, if you want to place your coins at the jar under high water, then be ready before the singing borders:
- fencing the closing of a bank deposit before the term: the bank is definitely to blame for the nobility, so you don’t happen to get your money out of a penny turnover;
- fence of private rent: by stretching the term of the deposit agreement, it is not possible to periodically withdraw a part of the placement of coins.
If such rules on deposits at banks are broken, then the interest rate may be changed to the minimum.
Krіm nevny obmezheniya that rules, invest at the planі vіdsotkіv vіdrіznyayutsya one vіd one period of payments, which you can collect for yourself:
- nicely;
- once a day;
- once a month;
- once a quarter;
- more like a term.
All vіdsotki narakhovyutsya for the contributions of physical osіb schodnya, but the system itself rozrahunka narahovannyh sums can avenge or not avenge such an important mind, like capitalization.
Which bank has the best deposit?
In 2020, more than a few banks work with deposits: Oschadbank, VTB, Roslgospbank, Poshta Bank, Alfa Bank and so on.
Ale, if you want to know the proposition effectively, to spend an hour on the development of all relevant options, rozrahunki, consultations with fakhivtsy.
Obov'yazkovo give respect to everything in the contract, and not more than a bet:
- exchange for minimum and maximum sums for the deposit;
- wash as much money as possible to replenish the deposit;
- minimum and maximum terms;
- sanctions for the completion of a deposit, a private loan;
Quickly take away all the necessary information about the child, and add it to you on this side:
- Enter your wishes for the deposit.
- Withdraw the latest transfer of current deposits from banks at the current update.
As soon as you can, you can make a selection, and also send an online application for the chosen deposit program.
The best deposits - tse tі, yakі bring the most income and proponuyut big mind. A choice of minds to lay aside according to the set goal: investment, savings or savings. The profit of saving pennies from the banks is growing in the steady growth of the penny mass, the intensity of which outweighs the rate of inflation. The terms of bank deposits are interspersed with the same terms of savings for many months for a few years.
Wash those options for which you can choose:
- % rate;
- the possibility of making additional improvements to the rock;
- schomisyachna capitalization;
- the currency in which you want to buy;
- auto-prolongation - think of the contract to continue victorious, navit as soon as the term ends and you won’t take a penny;
- handy term.
The deposit can be made in rubles, dollars, euros and other currencies.
Service «Creditsnatok» let you know the most important deposits in the city. Using a simple table, you can quickly equalize the total rates on banks in Moscow and introduce non-necessary propositions. The website provides the following information:
- name;
- interest rate;
- deposit amount;
- term;
- currency.
Term_nove placement
The term deposit at the bank is the bank's deposit with the first term of the deposit. Vstanovlenie vіdsotkovі rates for deposits allow the depositor to deduct income for the cost of the money, utsirovannyh in the course of financial operations of the bank from yogo pennies. Widows at times are seen more than once from the penny's contribution after the completion of the term of the contract. As soon as you need pennies, if you fail to pay them, you will have to pay a fine, and the percentage will decrease to the minimum value.
The term allows the banks to plan for the highest rates, so for the term deposits the stench proponuyut the highest rates. At the time of depositing the money, an agreement is being made, for which all the nuances are fixed: the sum, the term of the deposit, the currency, the withdrawal, the interest rate is also limited.
Narahuvannya vіdsotkіv to be carried out in different ways:
- behind the formulas of simple vіdsotkіv;
- behind the formulas of foldable vіdsotkіv;
- with fixed and floating rates.
How to choose a bank?
"Creditnatok" will help you to know quickly the bank deposit rates and consult with the accountants online - it will save you a lot of time at the stage of choosing your bank. Shukayte vigіdnі deposits at banks with us fast and as much as possible zruchno.
The deposit at the bank is filled in the simplest and most important way to take the additional income from the real money, without bothering yourself with the additional work. For residents of Moscow, deposits in banks are especially relevant: if you can put more pennies on your account, the stench can spend on the highest income and profit. Ale in what bank varto robiti deposited and de tse bude і vigіdno, і safely?
For security today, everything is simple: the system of sovereign deposit insurance protects depositors from spending pennies through a bankrupt or liquidation bank, and whether or not a sum of up to 1,400,000 rubles will be returned to the sovereign. At the top, as if you can put a little less money on the account, there is nothing to worry about: you are left with less to choose a program with the best minds on the deposit - and open the account. On the cob of 2017, it is possible to renew the reduction of the hundredth rates, so there may be a sense today to turn the most suitable proposition.
How to deposit at the banks of Moscow to bring the maximum amount? Where to invest pennies in 2017 will be the most profitable?
Oschadbank
Pochati zі Oschadbanka, as іz the most popular bank among depositors in Moscow, would be reasonable. Ale is not too robiti in the bank saved up. The whole on the right of VіdSotka, Yakі є Ninji Seried Solvy Bankіv, Yaki Mi Mijvdєmo in the Danny Foreign. Oschadbank offers to its customers 6.95% of the regular deposits as much as possible, so as not to promote the seasonal offer "Good River" with a rate of up to 8%.
Prote deposit "Manage", "Save" and "Popovnyuy" to pay the bank's customers. There are no such terms here: the client can independently choose any period (for 1 month) and put a minimum amount on the account (for 1000 rubles). Whenever deposits are made, hundreds of dollars are capitalized, and the rate at the world increases the amount of money on the rahunka. When you make deposits online, the rate is on average 0.4%.
VTB 24
Among the banks that promote deposits, they are encouraged by them that they offer their customers wide opportunities to withdraw additional income. The bank offers three deposit products – “Comfortable”, “Accumulative” and “Vygіdniy”. The maximum income possible for the "Vigidniy" deposit. With a total deposit of 200 thousand rubles, that term of savings for 181 days can be secured at a rate of 6.80% (with capitalization capitalization - 6.90%). With a total deposit of 1,500,000 rubles, the maximum effective rate is 7.75% for the term of withdrawal from 91 to 181 days. If the agreement is entered into the Internet bank, the amount will be higher.
Alfa Bank
At the moment, I offer my clients not only credit products, but also low deposit programs. The smallest amount for profitable (non-accumulative) deposits is 7.10% (Potential + deposit), the largest is for Peremoga + deposits (8.34%) and Premium + (7.60%) for the total deposit from 10000 rubles. For the deposit "Peremoga" at a maximum rate of 8.96%, you can re-secure by depositing 5 million rubles for a term of 184 to 276 days. And for the charity program “Line of Life” for the sum of the deposit of 50 thousand rubles and the term 1 rіk income we increase to 8.0% of the regular, moreover, this product is charitable: the bank is 0.05% of the sum of the deposit to the charitable fund for sick children “ Line of Life".
VTB Bank of Moscow
The organization promotes the programs on deposits from different minds. The most important proposition is until September 31, 2017 for the "Seasonal" deposit - up to 10% of the regular deposits can be withdrawn by placing 100 thousand rubles for 400 days. The contribution of subdivisions for a percentage period of 100 days, the increase of that private rent is not transferred. Also, under the “Maximum Income” program, you can take a high income from 8.46% of the capital (with capitalization, for 1 river with a sum of 1.5 million rubles). Deposit up to 550 thousand rubles to bring up to 7.76% of the capital (with capitalization). When making deposits "Maximum Income", "Maximum Growth" and "Maximum Comfort" in the Internet Bank, the rate was increased - +0.3% to the rate of deposits in Russian rubles and +0.1% to the rate of deposits in US dollars / euro.
Home Credit Bank
Home Credit offers savings programs to its depositors. One of them is the “Profitable River” deposit, which is shown both in rubles and in foreign currency. The deposit "Pributkovy Rik" is issued on the river, the minimum amount of the first deposit is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) of the river. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum income" and "Pensionary" to proponuyut other money - 8.75% (with capitalization - 9 ,34%) with a term of 18 months, but the "Maximum income" deposit is only paid in the Internet bank. The deposit "Cabinet" can be credited for 12 months, for an amount not less than 3 million rubles, with an interest rate of 8.9% (9.29% of capitalization).
Tinkoff
Bank Tinkoff offers its customers one type of deposit, which is issued remotely, with interest rates up to 8.0% (8.84% - with capitalization) in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with capitalization - 1.25%). For such an amount, you can repay with a total balance of 50 thousand rubles and a term of savings from 12 to 24 months, with a term of 3 to 5 months - 5.5%, from 6 to 11 months - 6.5%. If the money is redeemed by a bank order, then 1% of the sum is added to the deposit.
There is hope for the possibility of replenishment (є obmezhennya in terms) that private rent to an unreduced excess.
Russian Standard
The maximum rate at the bank Russian Standard can reach 10% for the deposit program "Maximum Income". The deposit is placed for 720 days, if the deposits are made for the next hundred periods, the last of them - 360 days with a 10% discount. The amount of placement when issued on the website of the bank or in the office - from 30,000 rubles, and when credited to the Internet bank - from 10,000 rubles at the same rate. For the term “Popovnyuvaniy” deposit, the amount of money can be taken up to 9.5% of the deposit. The term of the savings is to become a payment for the period of 30 thousand rubles, the minimum amount of the deposit is 30 thousand rubles, but the rate indicated by us can be repaid, spreading them in the term for 360 days.
De vigіdnіshe save pennies?
Like a bachite, deposit at the banks of Moscow to show off on different minds. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Oschadbank, Alfa-Bank, VTB24 and the Bank of Moscow. In a different way - Tinkoff, Home Credit, Russian Standard. The best credits for deposits in rubles are checked for you at Home Credit and Russian Standard banks. Here you can take up to 10% of the river and more. However, one interest rate, schob vysnovki about the viability of a deposit in that other bank, is deceitful. It is recommended to pay attention to the possibility of zdіysnyuvat pributkovі and vidatkovі operations for rakhunka, even if you have a large vysokopributkovі dépositiv vіdovnennya, i chastkovy zyattya koshtіv, vіdsotki tezh zavchichay vpaychuuyutsya only naprikіnci termіnu.
Updated in chest 2016
The latest list of the most current bank propositions for depositors today is on the site http://www.podborvklada.ru - there you can find the list of deposits that are constantly updated, with the best minds.
If a person has a lot of money, blame the right food: where to put it in, to get income? The simplest and most secure, in the eyes of the sovereign, the risky way of withdrawing income is to invest. It is recommended to familiarize yourself with the ratings of banks, which have the best rates for the deposit, according to the minds of deposit programs.
With great respect, when the lists were compiled, there were selected banks to enter the TOP-50 credit institutions of the country, so that the propositions of the companies could not be overcome, as if, possibly, they would change from an unstable financial position.
Standard deposits
Under standard deposits, they toil at the expense of the contribution to the song term, since they do not have additional functions - an increase or a private rent. As a rule, the rates for such deposits are higher. The top ten of the best propositions look like this:
Invest with additional opportunities
Get the most credit for deposits in banks with additional options, call the lower one, lower for standard programs, but it does not change the interest of those who are interested in them. Such deposit products are better for depositors and give them increased access to pennies and savings on earned money.
Contributions to popovnuyutsya
TOP-10 banks, as they see the most profitable deposits with the possibility of increasing the cob sum, look like this:
- RosEvro Bank - 8.5%. Banking product may be called "Popovnyay". It is possible to pay a bill by the term from 91 to 1095 days for a total of 50 thousand. krb. You can capitalize on the number of victories for the ruling court. Popovnyuvati deposit less than 5 yew. krb. available until the remaining 30 days of validity of the contract.
- Tinkoff - 8.5%. The bank has two rates - 8.5% for the possibility of replenishing the deposit less than in the first 30 days and 8% - for the availability of the excess over the long term of the contract. The minimum amount for the deposit is 50 thousand rubles. krb. Rozmіr of additional external surroundings.
- Transcapital Bank - 8.5%. Another bank with a high interest rate for deposits is TKL. The deposit product "Superdovgostrokovy" is secured for 6000 days from the possibility of replenishing the account at any hour. The minimum limit for entry is 10 thousand. rub. Interest payment is due for 400 days.
- Skhidny Express Bank - 8.3%. Savings for the "Savings book" deposit, the client of the bank can earn a high income for a period of 6-24 months. The contract is drawn up for the presence of a rahunka of at least 30 thousand. rub. The amount of payments for the increase in the deposit can be over 5 thousand. krb.
- The program "All inclusive" transfers the minimum first deposit of 30 thousand rubles. rub. from afar, it is possible to replenish a rahunka for a sum of money. The contribution is defined by the term from 3 to 12 months.
- Globex - 8.25%. The "Optimal" product guarantees a reduction in the cost of the designated accommodation for 367 days. The cob input can be over 30 yew. krb., and leather dodatkovy - over 5 yew. krb. Capitalization of hundreds of dollars is possible for the client's bazhanny.
- AK Bars - 8.25%. The deposit account is displayed on lines from 91 to 720 days. The minimum amount of the deposit is 1 million rubles. It is possible to replenish the rahunka, but not more than the lower one in the chotiriraz rozmіrі in the form of the cob.
- Binbank - 8.2%. The contract is issued for 91 days with automatic prolongation on the same mind. Cob deposit of 10 ths. rub. Dіє kapitalіzіya vіdsotkіv, i navit mozhlivіst opovnennya contribution no matter how much the sum.
- Moscow Regional Bank - 8%. A product with a similar rate is available from Mosoblbank. The minimum charge for cob deposits is 300 thousand. krb. At the declared rate, you can re-insurance for the first hour of the execution of the contract for 367 days. Banking fees are capitalized and transferred from the first drive of the client. Refilling the rahunka is possible in the first 183 days.
- Moscow Credit Bank - 7.75%. It is only possible to apply for a proponated rate through an online application. Pochatkovy rozmir contribution can be less than 1 yew. krb. For the tariff, a sixty-fourth capitalization of water bills was transferred. The increase can be up to the maximum limit - 10 million rubles.
Deposits from private borrowers
Nayvischi rates for deposits with banks іz mozhlivistyu znіmati part of sumi deposit (krіm narahovanih vіdsotkіv) propouє kіlka banksіv. Pererakhuєmo їх:
- Tinkoff - 8.5%. A universal contribution from the top-ups and the borrowers of a part of the pennies. The minimum obligatory deposit is 50 thousand rubles. krb. Chastkove vyluchennya at sumі vіd 15 ths. krb. it is possible after the end of 60 days from the moment of opening the rahunka. The term is 3 months and more for the customer's day.
- Novikobank - 8.5%. Novіkobank offers the program with fixed terms 184 or 368 days. Pochatkov's sum for the contribution - 30 thousand rubles. rub. Chastkove znyattya mozhlive, yakscho not underestimating the surplus will be over 1.4 million rubles. Wi-Fi payment is due on the skin for 184 days.
- National Bank Trust - 8.25%. For the “All Inclusive” tariff, you can not only increase the money, but also often take pennies, for saving the minimum surplus (similar to the cob minimum) - 30 thousand. rub. Fixed terms - 91, 181 and 367 days.
- AK Bars - 8.25%. Ask the bank for the minimum amount of deposit - 1 million rubles. The term of the contract can be from 3 to 24 months. You can increase the savings of the rahunok, as well as take a part of the pennies, saving the cob minimum of 1 million rubles.
- Globex - 8.15%. The "Universal Online" product is only available through an application on the Internet. You can deposit pennies for 6, 12 and 24 months. Cob deposit - 10 yew. rub. It is allowed for the rahunka to take pennies for the mind and to save the minimum sum, individually specified in the deposit agreement.
- Shidny Express Bank - 8.02%. The "Practical" product allows you to earn pennies without spending money. The amount of the first payment - from 100 ths. rub. Terms of registration - 181 and 731 days. After a private rent for a rahunka, you can have a minimum surplus - 100 thousand. krb.
- Absolut Bank - 8%. Absolut Bank offers a special program for the pension age. Rahunok v_dkrivaєtsya minimum 10 yew. rub. trivality from 91 to 730 days. You can pay a one-time partial sum for the entire term for saving the minimum amount of the deposit.
- Ugra - 7.89%. Banking program "Maximum" allows you to deposit up to 1.5 million rubles. the term is 2 to 12 months. It is possible to replenish the deposit account, as well as to withdraw a part of the pennies from the savings of the minimum excess. Krym tsієї programs, Ugra Bank promoting "Kerovaniy vіdsotok", the minimum cob deposit is 100 ths. rub., And the validity of the placement of coins - 720 days Replenishment can be carried out by the first fate, and the rent of money can be repaired from 91 days from the settlement of the contract. The first river - 10%, the other - 5.5% of rivers. Vіdsotki can be known for example skin period.
- Promzv'yazokbank - 7.5%. The minimum deposit amount is 150 thousand. rub., Yaku can be deposited for 367 or 731 days. The contribution can be increased, or you can get a penny, saving the post limit. You can automatically continue the contract.
- Credit Moscow Bank - 7.25%. The Rozrahunkovy tariff is issued by the online banking system. The contribution is made less than 1000 krb. You can add more than 20 thousand in total. krb. With a private hire of koshtiv for a rahunka, a cob sum may be left.
Contribution
If the most complicated process is behind - the contributor has made a significant contribution, de vigidnishy deposit of the first hundred, you can proceed without delay until the next day. Most of the banks, in order of registration, practice submitting online applications.
In most cases, for the Internet deposit account, the client can charge a premium up to the stated rate.
With documents, you need only a passport. If the contribution is due to the greed of the third person, it is necessary to submit the second document (certified copy) that certifies the person. Vymog to the client can not, the banks open the deposit on the im'I'm not full.