Deposits under high percent in Moscow, only a few banks offer. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if a few conditions are met:
- the account is opened immediately for the entire amount;
- nothing can be done with the funds until the expiration of the contract;
- the client belongs to the privileged category.
High interest rates are possible within . Get the maximum profit and when opening a foreign currency account.
Conditions for opening a high-interest deposit in Moscow
Citizens can open with a high percentage both at the place of registration and residence. To do this, you only need a passport. There are those who cooperate with young people from 14 years old. Suggestions for individuals differ:
- minimum amounts.
The highest rates on deposits in Moscow are offered by institutions that have high rates of their own assets, a good loan portfolio, that is, they are stable.
On our website you will find deposits in banks with a high interest rate in 2020. For convenience, we offer a comparative table with up-to-date information and for calculating possible profits. The data is updated regularly, so our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.
To view all profitable offer in Moscow banks, it may take a long time. 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 familiarize yourself with complete list options and their terms and 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 set the sorting principle yourself and quickly find necessary information for any of the products presented on our website.
Current offers
In the list of current offers on this moment The maximum interest and terms of cooperation are as follows:
- interest rate - up to 10.25%;
- minimum amount deposit - 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 last news and reviews of the economic situation in Russia and the latest developments in the banking market. 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.
Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating: foreign exchange market, investments in cryptocurrencies, investing in shares of companies and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.
The least risky way to increase profits on a permanent basis is a bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.
The best interest on deposits in banks
Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.
The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.
To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.
"My income" (Promsvyazbank)
Terms:
- currency - rubles;
- the minimum amount is 100,000 rubles;
- terms and interest:
- at 91 days - 6.6%;
- for 181 days - 6.7%;
- for 367 days - 6.7%.
Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of schedule, preferential terms will make the process fast and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.
Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later due date, will pay only half of the accumulated interest, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.
"Maximum income" (Moscow Credit Bank)
Terms:
- the minimum amount is 1000 rubles; $100; 100 euro;
- terms and interest for deposits in rubles:
- for 95 days - 5.75%;
- for 185 days - 6.25%;
- for 370 days - 6.75%.
- for 95 days - 0.75%;
- for 185 days - 1.10%;
- for 370 days - 1.45%.
- for 95 days - 0.01%;
- for 185 days - 0.20%;
- for 370 days - 0.55%.
According to the primary contract, interest is paid at the end of the term. However, the bank has created the possibility of connecting additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.
In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.
"Maximum income" (Sovcombank)
Terms:
- currency - rubles, dollars euro;
- the minimum amount is 30,000 rubles; $5,000; 5000 euros;
- terms and interest when opening a ruble deposit in the office for up to 1 year:
- upon termination within 31–90 days - 6.6 / 7.6% (Halva card);
- upon termination within 91–180 days - 7.0/8.0% (Halva card);
- upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);
- upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).
- terms and interest when opening a ruble deposit in the office for up to 3 years:
- upon termination up to 90 days - 6.8 / 7.8% (Halva card);
- upon termination up to 180 days - 7.2 / 8.2% (Halva card);
- upon termination up to 365 days - 6.8 / 7.8% (Halva card);
- upon termination up to 730 days - 6.0 / 7.0,% (Halva card);
- upon termination up to 1095 days - 6.0/7.0% (halva card).
- terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
- upon termination within 31–90 days - 6.6%;
- upon termination within 91–180 days - 7.0%;
- upon termination within 181-270 days - 6.6%;
- upon termination within 271-365 days - 6.6%.
- terms and interest when opening foreign currency deposits:
- in US dollars for 271–365 days - 1.55%;
- in US dollars for 1095 days - 3.00%;
- in euros for 271–365 days - 1.00%.
Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.
"Reliable" (Opening)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;
- terms and interest:
- for ruble deposits for 91 or 191 days - 6.42–7.30%;
- in US dollars for 91 or 181 days - 0.20–0.80%;
- in euros for 91 or 181 days - 0.10%.
The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.
"Maximum Interest" (Binbank)
Terms:
- currency - rubles, dollars, euros;
- deposit term - from 3 months to 2 years;
- the minimum amount is 10,000 rubles; $300; 300 euros;
- terms and interest for ruble deposits:
- when opening at a bank branch - 6.10-7.30%;
- for individuals (pensioners) - 6.25-7.45%;
- when opening via the Internet - 6.30-7.50%.
- terms and interest for deposits in US dollars:
- when opening at a bank branch - 0.55-1.65%;
- for individuals (pensioners) - 0.55-1.65%;
- when opening via the Internet - 0.55-1.65%.
- terms and interest for deposits in euros:
- when opening at a bank branch - 0.01%;
- for individuals (pensioners) - 0.01%;
- when opening via the Internet - 0.01%.
During the validity period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.
"Profitable" (Rosselkhozbank)
Terms:
- currency - rubles, dollars;
- terms of deposit opening - from 31 to 1460 days;
- the minimum amount is 3000 rubles; $50;
- interest rate for ruble deposits - up to 6.70%;
- interest rate for deposits in US dollars - up to 2.45%.
One of the most comfortable conditions. An individual can receive interest even from small deposits on short term. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.
Profitable (VTB 24)
Terms:
- currency - rubles;
- minimum amount:
- when opening an online deposit - 30,000 rubles;
- when opening a deposit in a bank branch - 100,000 rubles.
- terms and interest when opening a deposit in a bank branch:
- for a period of 3–5 months - 6.20/6.23%;
- for a period of 6 months - 6.20/6.28%;
- for a period of 13–18 months - 5.90/6.15%;
- for a period of 18–24 months - 5.70/6.02%;
- terms and interest when opening a deposit online:
- for a period of 3–5 months - 6.60/6.64%;
- for a period of 6 months - 6.60/6.69%;
- for a period of 6–13 months - 6.15/6.23%;
- for a period of 13–18 months - 6.10/6.29%;
- for a period of 18–24 months - 5.90/6.15%;
- for a period of 24–36 months - 5.70/6.02%;
- for a period of 36–61 months - 3.10/3.25%.
This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.
Pobeda+ (Alfa-Bank)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 10,000 rubles; $500; 500 Euro;
- interest rates:
- in rubles - 5.5–6.23%;
- in US dollars - 0.35–2.38%;
- in euro - 0.01–0.20%.
You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.
Savings (Gazprombank)
Terms:
- currency - rubles, dollars, euros;
- the minimum amount is 15,000 rubles; $500; 500 Euro;
- terms - from 3 months to 1097 days;
- interest rates for ruble deposits:
- for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;
- for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
- for an amount from 1,000,000 rubles - 6.0–6.4%;
- interest rates for deposits in US dollars:
- in the amount from 500 to 10,000 dollars - 0.30–1.40%;
- in the amount of $10,000 or more - 0.40–1.50%;
- interest rates for euro deposits:
- for amounts from 500 to 10,000 euros - 0.01%;
- in the amount of 10,000 euros - 0.01%.
The long term includes separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.
"Replenish" (Sberbank)
Terms:
- currency - rubles, dollars;
- the minimum amount is 1000 rubles; $100;
- terms - from 3 months to 3 years;
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
- for 3–6 months - 3.70/3.71%;
- for 6–12 months - 3.80/3.83%;
- for 1–2 years - 3.60/3.66%;
- for 2–3 years - 3.45/3.63%;
- for 3 years - 3.45/3.63%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
- for 3-6 months - 3.85 / 3.86%;
- for 6–12 months - 3.95 / 3.98%;
- for 1–2 years - 3.75/3.82%;
- for 2–3 years - 3.70/3.83%;
- for 3 years - 3.60/3.80%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75/3.96%.
- terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
- for 3–6 months - 4.00/4.01%;
- for 6–12 months - 4.10/4.14%;
- for 1–2 years - 3.90/3.97%;
- for 2–3 years - 3.85/4.00%;
- for 3 years - 3.75%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
- for 3-6 months - 3.45 / 3.45%;
- for 6–12 months - 3.55/3.58%;
- for 1–2 years - 3.55/3.58%;
- for 2–3 years - 3.30/3.41%;
- for 3 years - 3.20/3.35%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
- for 3–6 months - 3.60/3.61%;
- for 6–12 months - 3.70/3.73%;
- for 1–2 years - 3.50/3.56%;
- for 2–3 years - 3.45/3.57%;
- for 3 years - 3.35/3.52%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
- for 3-6 months - 3.75 / 3.76%;
- for 6-12 months - 3.85 / 3.88%;
- for 1–2 years - 3.65/3.71%;
- for 2–3 years - 3.60/3.73%;
- for 3 years - 3.50/3.68%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
- for 3-6 months - 0.25%;
- for 6–12 months - 0.55%;
- for 1–2 years - 0.85%;
- for 2-3 years - 0.95%;
- for 3 years - 1.05%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
- for 3-6 months - 0.30%;
- for 6–12 months - 0.60%;
- for 1–2 years - 0.95%;
- for 2-3 years - 1.05%;
- for 3 years - 1.15%.
- for 3–6 months - 0.05%;
- for 6–12 months - 0.20%;
- for 1–2 years - 0.50%;
- for 2-3 years - 0.60%;
- for 3 years - 0.70%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.25%;
- for 1–2 years - 0.60%;
- for 2–3 years - 0.70%;
- for 3 years - 0.80%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
- for 3–6 months - 0.05%;
- for 6–12 months - 0.30%;
- for 1–2 years - 0.65%;
- for 2-3 years - 0.75%;
- for 3 years - 0.85%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
- terms and interest rates for dollar deposits when opening at a bank branch (from $100):
- for 3–6 months - 0.10%;
- for 6–12 months - 0.40%;
- for 1–2 years - 0.75%;
- for 2-3 years - 0.85%;
- for 3 years - 0.95%.
For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.
Advice: find out which financial institutions today .
How to calculate the return on a deposit?
Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.
The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, where
- N - the initial amount of the contribution;
- P is the interest rate;
- d - calendar days after which new interest is charged (usually 30 or 31 days);
- D - 365 or 366 days a year, depending on the current year;
- n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).
Common mistakes when choosing a deposit
Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.
First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.
Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.
Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening national currency banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.
Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.
Third mistake. The conditions of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.
Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.
Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Net. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.
Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.
This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.
Summing up
Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.
Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.
In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively involve customers by offering interesting offers and various options for investing funds.
Which bank should be preferred
Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:
- founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
- the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the amount authorized capital(the bigger, the better);
- position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
- availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.
You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:
- term of the deposit;
- whether early withdrawal is possible and under what conditions;
- interest payment procedure;
- the presence or absence of capitalization;
- the possibility of replenishment;
- does the interest increase with an increase in the amount of savings, etc.
The highest rates on deposits in Moscow banks today: the first 20
Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:
- currency - ruble;
- the minimum amount is 100,000;
- term - not less than 1 year.
These parameters helped to choose the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).
| Name of the bank | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tauride | Festive | 12.3 | 50000 | Monthly, capitalization | Yes | Not |
| Novikombank | Favorite | 12.25 | 10000 | At the end of the term | Not | Not |
| International Bank of St. Petersburg | Capital | 12.2 | 50000 | At the end of the term | Not | Not |
| Promsvyazbank | Premium | 12 | 3 | At the end of the term | Yes | Yes |
| Vanguard | passbook | 12 | 100000 | At the end of the term | Not | Not |
| BFG-Credit | Loyal | 11.75 | 100000 | At the end of the term | Yes | Not |
| BFA bank | Contribution #1 | 11.25 | 30000 | Monthly, capitalization / withdrawal to the account | Not | Not |
| Peresvet | Rational | 11.2 | 30000 | At the end of the term | Yes | Yes |
| Transcapitalbank | Growth time. Spring | 11.16 | 20000 | Quarterly | Not | Not |
| Globex | Accurate calculation online | 11.15 | 100000 | At the end of the term | Not | Not |
| Trust | Our people | 11.1 | 30000 | At the end of the term | Not | Not |
| Investtorgbank | Fabulous Percentage | 11.07 | 50000 | Quarterly | Not | Not |
| Credit Bank of Moscow | All Inclusive Online | 11 | 1000 | At the end of the term | Not | Not |
| Credit Europe Bank | Urgent | 11 | 3000 | At the end of the term | Not | Not |
| MetallinvetBank | Maximum income | 11 | 10000 | At the end of the term | Not | Not |
| Uniastrum Bank | Large percentage | 11 | 20 000 | At the end of the term | Not | Yes, within the minimum |
| Finprombank | My conditions | 11 | 30000 | Monthly, capitalization | Yes | Not |
| Military Industrial Bank | spring story | 11 (growing) | 50000 | At the end of the term | Yes | Not |
| Center-Invest | grow big | 11 | 50000 | Annual capitalization | Yes | Not |
| Education | Base | 11 | 100000 | At the end of the term | Not | Not |
TOP-50 foreign currency deposits in Moscow banks at the maximum percentage
In connection with the depreciation of the ruble, many customers have awakened interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but they also acquire exotic currencies - pounds, francs, yens, Australian dollars, the yuan and the "Canadian" have recently been gaining popularity. However, the most popular is still the US dollar.
- currency - dollar;
- amount - from 1,000;
- term - at least 1 year;
- bank is one of the 200 largest.
It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.
| Name of the bank | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tauride | Urgent | 3.8 | 1000 | Monthly, capitalization | Yes | Not |
| Globex | Accurate calculation online | 3.35 | 200 | At the end of the term | Not | Not |
| Binbank | Standard | 3.2 | 100 | Monthly | Not | Not |
| Yugra | 25 years of reliability | 3.1 | 500 | Monthly | Yes | Yes |
| Promsvyazbank | Premium | 3 | 3 | At the end of the term | Yes | Yes |
| Globex | Rentier online (multi) | 3 | 300 | Monthly | Yes | Yes |
| Novikombank | Favorite | 3 | 300 | At the end of the term | Not | Not |
| BFA bank | Contribution #1 | 3 | 500 | Monthly, capitalization | Not | Not |
| Binbank | Max percentage | 2.9 | 300 | At the end of the term | Not | Not |
| Trust | Our people | 2.9 | 500 | At the end of the term | Not | Not |
| Trust | generous interest | 2.9 | 500 | At the end of the term | Not | Not |
| Tauride | Multicurrency | 2.8 | 710 | At the end of the term | Yes | Not |
| Finprombank | My conditions | 2.8 | 1000 | Monthly, capitalization | Yes | Not |
| Yugra | Multicurrency basket | 2.8 | 1000 | At the end of the term | Yes | Not |
| Credit Europe Bank | Urgent | 2.75 | 100 | At the end of the term | Not | Not |
| Loco-bank | Spring in the black (multi, dollar+euro) | 2.75 | 300 | At the end of the term | Not | Not |
| Globex | Bonus online | 2.7 (growing) | 200 | At the end of the term | Yes | Yes |
| MDM Bank | Max percentage | 2.7 (growing) | 300 | At the end of the term | Not | Not |
| Binbank | Monthly income | 2.65 (growing) | 300 | Monthly, payment to the account | Yes | Not |
| Trust | Multicurrency 2016 | 2.65 | 500 | At the end of the term | Yes | Not |
| Yugra | Growing income | 2.63 | 1000 | At the end of the term | Yes | Not |
| SMP Bank | maxima | 2.6 (growing) | 50 | Monthly, capitalization | Yes | Not |
| Investtorgbank | Optimal | 2.6 | 100 | At the end of the term | Yes | Not |
| Promsvyazbank | my benefit | 2.6 (growing) | 300 | At the end of the term | Not | Not |
| Military Industrial Bank | spring story | 2.6 (growing) | 1000 | At the end of the term | Yes | Not |
| Finprombank | Practical | 2.6 | 1000 | At the end of the term | Yes | Yes |
| Peresvet | Knight | 2.6 | 1000 | Monthly | Yes | Yes |
| All-Russian Bank for the Development of Regions | smart money | 2.5 | 1 | At the end of the term | Yes | Not |
| Raiffeisenbank | Triple benefit (multi) | 2.5 | 1 | At the end of the term, annual capitalization | Not | Not |
| Home Credit Bank | Profitable year | 2.5 | 100 | Monthly, capitalization | Yes | Not |
| OTP Bank | Cumulative | 2.5 | 300 | At the end of the term | Yes | Not |
| Ural Bank for Reconstruction and Development | Cumulative | 2.5 | 300 | Daily | Yes | Not |
| BFA bank | Accumulation strategy | 2.5 | 500 | Monthly | Yes | Not |
| Metallinvestbank | Maximum income | 2.5 | 1000 | At the end of the term | Not | Not |
| Trust | Retirement income | 2.45 | 100 | At the end of the term | Yes | Yes |
| St. Petersburg | Deposit online | 2.4 | 100 | At the end of the term | Not | Not |
| Education | Base | 2.4 | 200 | At the end of the term | Not | Not |
| Binbank | Multicurrency | 2.4 | 410 | At the end of the term | Yes | Not |
| Bank Finservice | Comfortable | 2.35 | 1 | Monthly, capitalization | Yes | Not |
| Credit Europe Bank | Cumulative | 2.35 | 100 | At the end of the term | Yes | Yes |
| Rosselkhozbank | Classic online | 2.35 | 100 | At the end of the term | Not | Not |
| MDM Bank | MDM - The Magnificent Seven | 2.35 | 1000 | At the end of the term, capitalization daily | Yes | Yes |
| Military Industrial Bank | Comfortable | 2.3 (growing) | 100 | At the end of the term | Yes | Yes |
| BFG-Credit | Classical | 2.3 | 300 | At the end of the term | Yes | Not |
| Absolut Bank | Absolute maximum + | 2.3 | 1000 | At the end of the term | Not | Not |
| Eastern Express Bank | Oriental | 2.25 | 500 | Monthly, capitalization | Not | Not |
| Renaissance Credit | Renaissance Profitable | 2.25 | 500 | At the end of the term | Not | Not |
| Tinkoff Bank | SmartDeposit | 2.25 | 1000 | Monthly capitalization | Yes | Yes |
| Moscow Industrial Bank | Classical | 2.25 | 1000 | At the end of the term | Not | Not |
| Education | Maximalist | 2.2 | 100 | Monthly, capitalization | Yes | Not |
The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.
A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have fast access if necessary.
Most deposits, which are issued at maximum interest, have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.
When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:
- 1 month;
- 3 months;
- 6 months (six months);
- 1 year (12 months).
Deposits with the highest interest rates today
Thinking about where to invest money in 2020 so that they work, many are wondering: which bank has the largest percentage of deposits today. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.
Deposit calculator
Deposits at the maximum percentage in top 10 banks
"A profitable approach"
ICD
| 7,3%
bid | from 50 000 sum | 375 days term |
For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Takeoff" 
up to 7.0% | 300000 — 500000 | from 1 day |
Replenishment
Partial withdrawal
Without capitalization
Interest monthly
"For life"
UniCredit Bank
up to 6.17% | from 100 000 | 368 - 1800 days |
Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Profitable"
up to 5.55% | from 3 000 | 31 days - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Reliable Promo"
FC Otkritie
up to 5.5% | 750 000 | 1 year |
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"My income"
before 5,25%
| from 100 000 | 122 - 731 days |
Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term
"150 years of reliability"
before 5,1%
| from 500 000 | 3 – 36 months |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"For Savings"
Gazprombank
up to 5% | from 15 000 | 3 months - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
"Growing Time"
VTB bank
up to 5.0% | from 30 000 | 180 - 380 days |
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly
"Victory+"
up to 4.92% | from 10 000 | 92 days - 3 years |
Without replenishment
Without partial removal
Capitalization
Interest monthly
"Save"
up to 4.54% | from 1 000 | 1 month - 3 years |
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term
Deposits with maximum interest for 1 month
Deposits with maximum interest for 3 months
Bank / Deposit |
|
| 7% | "Takeoff" |
| 5,32% | Gazprombank "Savings account" |
| 5,27% | "In reserve" |
| 5,22% | FC Otkritie "My piggy bank" |
| 5,02% | "Savings account" |
| 5% | Moscow Credit Bank "All Inclusive Maximum Income" |
| 4,82% | Pobeda+ Premium |
| 4,51% | VTB "Piggy bank" |
| 3,96% | "Save" |
| 3,81% | UniCredit Bank "First class" |
High interest deposits for 6 months
High interest deposits for 1 year
If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!
What is the safest amount to open deposits?
According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.
In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.
Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.
Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.