Deposits high rates. High Interest Deposits - Which Banks Have Higher Interest Rates? The highest percentage for

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

High interest deposits in Moscow banks – 2018

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

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

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

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

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

The most profitable deposits in Moscow in rubles in 2018

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

Bank International Financial Club Deposit "Confident Choice"

Natsinvestprombank Deposit "Choice of Success"

• See what interest rates on deposits it offers today

Bank ZENIT Deposit "Dessert (online)"

Bank Klyukva Deposit "My Profitable"

Bank standard-credit Deposit "Term-Lux"

Inkarobank Deposit Time of Discoveries

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

Ziraat Bank Moscow Term deposit

Bank Novy Vek Deposit "VIP Replenish"

Inkarobank Deposit "High Interest"

Deposits in Moscow at maximum interest in dollars

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

Bank Saint-Petersburg Deposit Strategist online

SMP Bank Deposit "Strategy"

Binbank "Contribution to the Future (Cumulative Insurance)"

Alfa-Bank Deposit Pobeda+ (Maximum+ package)

Inbank Deposit "Maximum"

Bank Tauride Deposit "Tavrichesky Maximum (online)"

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

Promtransbank Deposit "Terms in foreign currency"

Mosoblbank "Personal" deposit

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

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

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

How to open a bank account

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

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

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

The best interest on deposits in Moscow

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

Investment deposits in Moscow with maximum interest

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

Profitable deposits in Moscow banks with higher interest rates

When choosing the most profitable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a surcharge to the interest rate.

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

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

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

Content

To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals

A wide range of deposit offers and shares, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.

The purpose of the deposit

To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, there is a bank deposit insurance program. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.

Interest capitalization

Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.

Deposit amount

Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entering the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.

Possibility to replenish the deposit

Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.

Interest withdrawal

The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. In the case of monthly capitalization of interest, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which, with a face value of 100 million rubles or more, bring an income of 7.2%.

Where to open a deposit at a high interest

Which bank is the most profitable in terms of deposits

A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Profitable deposits in rubles

Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.

To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional bank commissions for transferring money to accounts, conversions in the calculations.

It is worth considering the possibility of investing part of the free funds in different currencies, in gold and other precious metals. In recent years, the largest banking institutions in the world have chosen bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show you new directions for acquiring assets and the most profitable investment.

Profitable deposits in foreign currency

We have considered the most profitable deposit in foreign currency from Development Bank, but deposits with a high interest rate are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.

The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of political elites on the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union do not add stability and prospects for investors to the euro.

Deposits in Moscow banks at the maximum percentage

The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles to the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the "Maximum Online" program from Dolinsk Bank is from 7.35%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in the National Bank "Trust" will receive 8.85%.

The deposit “Maximum Interest (online)” of BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.

On June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with an interest rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.

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Which bank has the most favorable conditions for deposits and a high percentage of the deposit

It may take a long time to view all the profitable offers in Moscow banks. On the official websites of banks, there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly get acquainted with the full list of options and their main conditions. A large selection of available deposits provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The "Deposits of the month" section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Benefits of our service

A convenient filter has been created on the site, which makes it possible to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow by one or several parameters at once. To do this, you can specify in the filter:

• the minimum amount;
• currency;
• term of the deposit agreement;
• additional opportunities to use the deposit.

The results of the issuance are arranged according to one of two possible principles - an interest rate or a rating. The rating is calculated automatically by our website, taking into account the main characteristics of the convenience and security of working with the bank, such as:

• profitability of the deposit;
• the reliability of the bank;
• availability of additional options;
• availability.

These characteristics give an idea about the bank even before you start working with it. You can independently set the sorting principle and quickly find the information you need on any of the products presented on our website.

Current offers

In the list of issuing current offers at the moment, the maximum interest and terms of cooperation are as follows:

• interest rate - up to 10.25%;
• the minimum deposit amount is from 1,000 to 500,000 rubles;
• storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the existing products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest developments in the banking market, will be regularly sent to the e-mail address you specified. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

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There are a large number of offers on the financial market that allow you to make a deposit, but not all tariff plans are equally profitable. We have analyzed the conditions of deposits of the largest financial organizations in the Russian Federation and compiled a list of the most profitable tariff plans that allow you to earn money with minimal risk of losing money.

Bank deposit - funds deposited by an individual or legal entity in a bank for storage and profit.

Financial institutions motivate customers to open deposit accounts

The statistics of the Central Bank of the Russian Federation show that the methods work: as of March 2019, there were more than 40 million rubles on bank deposits of individuals and legal entities in the Russian Federation. The best interest rates are offered on term deposits that do not require partial withdrawal. It is unprofitable for banks if the client takes the money ahead of time. As a result, the company will be forced to return the amount that it planned to use for other purposes.

By opening profitable deposits, the client gets the opportunity to save the amount and increase it. The method is recommended to be used if there is free money that a citizen does not know how to use it.

The most profitable deposits in rubles

Wanting to open a deposit, citizens first of all pay attention to the interest rate. Leading Russian banks offer relatively low yields. According to the organization RA "Expert", the average rate in different banks varies from 3.2 to 7.15% per annum. However, you can find offers that allow you to make a profit with a large percentage, even above 10%.

According to most financial advisers, it is undesirable to use such tariff plans: they are mainly associated with a risk for the client. A high percentage indicates an attempt by a financial organization to raise funds by any means, which indicates a crisis situation in the company. Accordingly, the risk of bankruptcy and subsequent loss of capital is high. If the amount is not insured, the client may lose money.

Do you have an active deposit?

YesNot

The speaker of The Invest Youtube channel talks in detail about the most profitable deposits, as well as how to choose the most suitable one for yourself:

There are other factors that influence the choice of a deposit product:

1. Deposit term. The interest rate may vary depending on the period of placement of funds.
2. Capitalization. The service assumes the possibility of adding the received income to the body of the deposit. As a result, at a constant interest rate, it is possible to get a large profit.
3. The minimum deposit to open a deposit. The lower the indicator, the more people can take advantage of the offer.
4. Replenishment and withdrawal. It is difficult to predict in advance the need for cash over a long period of time. Therefore, the possibility of partial receipt of the amount and making additional payments will be a plus.
5. Insurance. The service protects the client from the loss of funds, which indicates the reliability of the deposit.

In accordance with the Federal Law "On insurance of individuals in banks of the Russian Federation", in the event of bankruptcy of a financial organization, the client will be able to receive 100% of the amount, but not more than 1,400,000 rubles. If several deposits are opened at once in one financial institution, compensation is provided for each deposit, however, the maximum amount remains the same.

Scheme of cash flow on deposits

SmartDeposit (Tinkoff)

Can be opened remotely. For clients, a financial institution issues a free Tinkoff Black card, on which interest is charged. Cooperation with the company is possible on the following conditions:

• the interest rate reaches 6.5%;
• an account can be opened in rubles, dollars or euros;
• the amount starts from 50,000 rubles or 1,000 dollars or euros;
• income is paid monthly;
• the possibility of capitalization, replenishment and partial withdrawal.

A convenient calculator on the official website of Tinkoff-Bank allows you to quickly calculate the approximate future income from a deposit

Tinkoff Bank may raise the rate by 1% for ruble deposits if a person chooses conditions that require additional funds to be deposited into the account within 30 days from the date the deposit was opened.

Growing percentage (UBRD)

The offer from PJSC CB Ural Bank for Reconstruction and Development can be used remotely: a deposit is opened through the official website of the company. A free Visa card is issued for the client for accrued interest. The income depends on the term for which the funds are placed, as well as on the activation of the “Everything under control” service package.

The interest rate starts from 6.25%. The maximum percentage is 9%. Cooperation is carried out on the following conditions:

• the deposit can be opened only in rubles;
• interest is calculated every 30 days;
• the deposit term is 210 days, and the minimum amount is 10,000 rubles;
• replenishment without restrictions;
• partial withdrawal is allowed without restrictions within the accrued interest;
• if the contract is terminated before its expiration, recalculation takes place at the “on demand” rate.

According to Alexey Merzlyakov, UBRD Marketing Director, the offer is popular among clients. The tariff plan was launched in September 2018. After 1.5 months, the total amount of transferred funds amounted to about 2 billion rubles. As a result, the financial institution was able to raise the interest rate.

First class (UniCredit-Bank)

Using the tariff plan, a person will be able to open a profitable deposit in rubles (up to 6.81%) and US dollars (2.03%). Preferential conditions for early termination are provided. If the funds were on the account for half of the term, interest is paid at the rate specified in the agreement.

Conditions for the "First-class" deposit from UniCredit

Additional terms of cooperation:

• income is paid to a current account or a bank card;
• partial withdrawal is not allowed;
• capitalization can be carried out at the choice of the client;
• Replenishment of at least 3,000 rubles is allowed. or 100 dollars, not less than 15 days before the expiration of the deposit;
• auto-renewal is not performed;
• it is possible to open a deposit online.

According to Forbes, UniCredit Bank at the end of 2018 entered the top 5 organizations in terms of reliability.

Pobeda+ (Alfa-Bank)

The interest rate on deposits in Alfa-Bank directly depends on the service package, the selected line of cards and the category of the tariff plan. The higher the level of service, the higher the interest rate. Depending on the tariff plan chosen by the client, it will be:

• outside service packages: from 5.5 to 6.8% (without capitalization), from 5.53 to 7.52% (with capitalization);
• Economy package: from 5.6 to 6.9% (without capitalization), from 5.63 to 7.64% (with capitalization);
• Optimum package: with capitalization from 5.83 to 7.89%, without capitalization from 5.8 to 7.01%;
• Comfort package: with capitalization from 5.93 to 7.01%, without capitalization from 5.9 to 7.2%;
• "Maximum Plus" and "Premium" packages: with a capitalization of 6.03-8.13%, without capitalization from 6 to 7.3%;
• Alfa Privat package: with a capitalization of 6.13-8.26%, without capitalization from 6.1 to 7.4%.

Alfa-Bank's website contains a convenient table that allows you to get acquainted in detail with interest rates depending on the selected tariff package, the amount and term of the deposit, currency

• you can open a deposit for a period of 92 days;
• amount - from 10,000 rubles;
• capitalization is possible;
• you can open an account in rubles, dollars or euros.

According to the RA Expert agency, Alfa-Bank was included in the rating of the 50 best banks in terms of deposits and accounts for individuals.

My income (PromSvyazBank)

Interest rates on the offer depend on the status of the client, the period on which the funds are transferred, as well as the currency. For ruble tariff plans, the following yield is set:

• 122 days - 6.5%;
• 181 days - 7%;
• 397 days - 7.65%;
• 547 days - 7.8%;
• 731 days - 7.5%.

Cooperation is carried out on the following conditions:

• interest is paid at the end of the term of the contract;
• the minimum deposit amount is 10,000 rubles;
• there is a possibility of preferential termination;
• additional funds may be added to the account.

If a deposit is opened by a pensioner, he is given a surcharge of 0.1%. A similar benefit is available to individuals who have placed funds online, through a mobile bank or an ATM of a financial institution.

Take advantage (Sberbank)

The deposit can be opened for a period of 5 to 18 months. The interest rate directly depends on it and is:

• 5 months - 7.1%;
• 1 year - 7.5%;
• 1 year 6 months - 7.65%.

The Bank encourages opening a deposit through Sberbank-Online

Cooperation takes place on the following conditions:

• the minimum deposit amount is 50,000 rubles;
• opening is allowed only in rubles;
• early termination is carried out at the demand rate;
• auto-prolongation is allowed;
• opening a deposit is possible through an ATM, Internet banking or mobile service;
• interest is paid at the end of the term;
• capitalization, the possibility of replenishment and partial withdrawal are absent.

According to the Expert agency, Sberbank ranks first in the top 50 banks in terms of deposits and accounts for individuals.

Reliable (Opening)

The service allows you to place a deposit in rubles. Interest rates depend on the amount and term of the deposit. The income will be:

• 50,000-250,000 rubles - 6.2-7.05% or 6.17-6.67% without it;
• 250000-750000 - 6.5-7.35% with capitalization or 6.47-6.88% without it;
• 750000-1250000 - 6.7-7.55% with capitalization or 6.66-7.50% without it
• over 1,250,000 rubles - 6.8-7.65% with capitalization and 6.76-7.14% without it.

The deposit conditions are as follows:

• interest is paid monthly;
• there is no possibility of replenishment or partial withdrawal;
• the deposit can be opened via the Internet or mobile banking;
• in case of early termination, income is recalculated at the demand rate.

More precise conditions are announced to the client at the stage of concluding an agreement with the bank.

Comparison of conditions

When choosing a suitable tariff plan option, you need to carefully analyze the terms of the transaction and compare deposits. This depends on the value of the offer. Comparison of contributions is presented in the table.

Before concluding an agreement with a financial institution, you must carefully read the document. A bank employee does not always verbally state the conditions, and awareness of all the nuances of cooperation will protect the client from unpleasant surprises.

The profitability of an interest deposit depends not only on the interest rate. It is necessary to take into account the duration of the contract, the possibility of prolongation, partial withdrawal and capitalization. If the profitability is too high, this may indicate the financial distress of the bank, therefore, interaction with such an institution is associated with risk.

Write in the comments how profitable interest-bearing deposits in Russian banks are.

Why are deposits with monthly interest withdrawals profitable today?

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

They are also called "rental", because in their principle of operation they are similar to making a profit from renting an apartment.

In order to receive a decent income every month, you need to invest a large amount at once. Therefore, when choosing a bank for such a deposit, it is important to consider not only the percentage, but also the reliability of the investment.

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

In this review, the correspondents of the site have collected the most profitable deposits with monthly interest payments offered by the most reliable banks in Russia. The rating includes deposits in the amount of 1 million rubles or more and for a period of 1 year.

Deposits with monthly interest withdrawal in banks from the top 10

Deposit "Simple and profitable"

Replenishment / Without partial withdrawal / Without capitalization / % monthly

Deposit "Regular income"

Deposit "Profitable"

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution " save»

Without replenishment / Without partial withdrawal / Capitalization / % monthly

Contribution "For Life"

Post-bank

Deposit "Profitable"

Replenishment / Without partial withdrawal / Capitalization / % monthly

Deposit calculator

Who benefits from deposits with monthly interest withdrawals

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

Are deposits with monthly interest withdrawals insured?

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

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the exchange rate set by the Bank of Russia on the day of the insured event.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and DIA (www.asv.org.ru), as well as on the free DIA hotline 8-800-200-08-05 .

Conclusion: deposits with monthly interest or capitalization?

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

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

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

Note that the above conditions and interest rates of deposits for individuals are not a public offer, and cannot serve as an indication for choosing a specific deposit. This list is not a basis for unambiguous conclusions about the reliability and (or) financial stability of these banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions made on its basis.