It may take a lot of 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 familiarize yourself with the full list of options and their main conditions. A large selection of available deposits makes it possible 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 amount. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.
Advantages of our service
The site has created a convenient filter that allows you 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 using one or several parameters at once. To do this, you can specify in the filter:
The issuance results are arranged according to one of two possible principles - interest rate or rating. The rating is calculated automatically by our website, taking into account the main characteristics of convenience and safety of working with the bank, such as:
These characteristics give an idea of the bank even before you start working with it. You can independently set the sorting principle and quickly find the necessary information 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:
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 contract.
Stay up to date
If none of the current 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 events in the banking market will be regularly sent to your email address. 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.
When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP 50 credit institutions in the country were used in order to exclude offers from companies that may be in an unstable financial situation.
Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:
Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.
The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:
Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:
When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.
Often, for opening a deposit account online, the client can even receive a premium to the stated rate.
The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.
Even in a difficult economic situation in 2020, there is an opportunity to invest money in order to make money. One way is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.
Deposits from individuals - a traditional way of investing money
There are many ways to invest money to earn passive income. You can buy a currency and wait for it to rise in price, you can make money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.
All these ways of making money bring quite high profits, but are also associated with a certain risk. Bank deposits of individuals today remain the most reliable and traditional way of investing savings in Russia.
Choosing the most profitable investment: what to pay attention to
When choosing a bank to entrust money to, depositors usually pay attention to at least two parameters:
It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts from the agency website tried to do this by studying the conditions of deposits in Russian rubles for individuals in reliable banks.
Each bank has its own line of profitable deposits for individuals with unique conditions.
In order to somehow bring the parameters of deposits in different banks “to a common denominator,” we tried to find out what the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.
For the purity of the experiment, we compared rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. The estimated amount was 1 million rubles. They also tried to exclude the so-called investment or complex proposals with the obligatory investment of money in insurance, mutual funds or shares. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).
The most profitable deposits in reliable Russian banks from the top 10
Moscow Credit Bank
MEGA Online deposit
Replenishment / No partial withdrawal / No capitalization / Interest at the end of the term
Bank FC Otkritie
Deposit "Reliable"
No replenishment / No partial withdrawal / Capitalization / Interest accrual at the end of the term.
Promsvyazbank
Deposit “My income”
No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.
Deposit "Savings account"
No replenishment / No partial withdrawal / Capitalization / Interest accrued monthly.
Post Bank
Deposit "Capital"
No replenishment / No partial withdrawal / Capitalization / Interest monthly
Sberbank of Russia
“Save” deposit
Interest rate |
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Without replenishment / Without partial withdrawal / With capitalization / Monthly interest accrual in Moscow banks >>
Today, Moscow banks offer a large number of different types of profitable deposits for individuals. But all of them can be divided into several groups:
✓ time deposits at the highest interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot take it back without losing interest or replenishing the account.
✓ replenished deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability.
✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued.
Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but you will be sorry for the lost profits. So, when planning to make a deposit in a bank, it is better to decide in advance when you will withdraw the money so as not to lose income.
Content
Keep your money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate now is not a very profitable investment, foreign currency periodically becomes cheaper against the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.
Recent surveys show: more than half of Russians believe that it is better to save money in a bank, deposit or savings account. The index of confidence in financial institutions is gradually increasing; people, based on the experience of previous years, prefer to save their surplus. Each bank offers its own solution, but there is the concept of an average bank interest rate, which is set by the Central Bank:
Everyone is happy to see pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a top-up function, which is somewhat analogous to a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.
Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” – replenishable deposit for 3 years, 3.5% per annum, “Save” – non-replenishable, rate 5.6% (up to 6.13% when opening an account online), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.
The main share of bank deposits consists of ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer returns in the region of 8-10%:
Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, popular players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but as the percentage increases, the risk that their license will be revoked also increases.
The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its value.
The best programs for Moscow banks:
Interest rates on bank deposits today vary widely. What does this depend on? Experts identify several reasons that can determine high interest rates on bank deposits:
Large players in the financial market do not stimulate profitability, preferring to attract clients with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return amounts to clients up to 1,400,000 rubles.
Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, taking into account:
A sample list of deposits with good interest rates from recognized reliable banks this year looks like this:
As an analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenishable deposits for a period of six months or more. Offers from small banks that are actively trying to attract new customers may be interesting:
Averages rarely exceed 8%, which is compensated by reliability, wide distribution throughout the Russian Federation and quality of service.
More popular offers:
This bank contains a share of government money, so its reliability is fully justified. Today, VTB 24 Bank offers low interest rates on deposits, which is compensated by favorable conditions:
Rosselkhozbank positions itself as a “people's bank” with favorable offers for all segments of the population. Interest on deposits of individuals at Rosselkhozbank ranges from 6 to 9% depending on the duration and size:
The interest rate on deposits at Alfa Bank is comparable to its competitors, but the popularity of the financial institution is great. Currently clients are offered:
Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was a subsidiary of the large credit player VTB24. Last year, all branches of Leto-Bank closed, and clients were surprised to find that they were serviced by Pochta-Bank. An aggressive advertising campaign involving famous actors is doing its job; the bank is constantly calling for the use of its services to invest accumulated funds.
It is proposed to choose the following rates for deposits in Post Bank, and all deposits are subject to insurance:
The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new clients. It is worth noting that today leaders among credit institutions do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the Russian Federation, who value their reputation, participate in the deposit insurance system (currently the maximum amount to be returned is 1 million 400 thousand rubles.
Specify the features of the offers in the table:
Bank name |
Interest |
Terms of deposit |
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BaltinvestBank |
There is no replenishment, interest payment at the end, no early withdrawal. |
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Russian standard |
Maximum percentage |
Payment of profits at the end, without replenishment and early withdrawal. |
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MosOblBank |
Personal |
Monthly payment of profits, replenished, without withdrawal. |
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Regular income |
Replenishable (if agreed in advance, with preferential commission for early withdrawal), payment of profits every month. |
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BinBank |
Each person saves money for different purposes. However, what many people don't realize is that keeping your savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, people often do not restrain themselves and spend money. However, deposits in Moscow will help you not only preserve your finances, but also increase them in accordance with the agreement.
Today this product is a universal investment tool. Unlike the stock or precious metals market, you do not need special knowledge or constant analysis of the economic situation. You simply find a suitable offer and sign the contract. However, in most organizations there are no restrictions on minimum contributions, and if there are any, they are small.
The contract itself is very important, so you need to familiarize yourself with the text in person before signing it. To do this, ask the bank employees to provide a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and include conditions that are unfavorable for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through a compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. Moreover, this type of deposit is divided into savings and accumulative, which is intended for periodic replenishment (popularly called a “piggy bank”).
The second option - on demand - comes at a low rate. The thing is that it is not profitable for an organization to keep finances for itself, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and potential profits are of little interest to them.
Online assistant
On the website you will find current products on the market. Reliable information is collected here, which our specialists check and update daily. By comparing services according to their main parameters - and this is the interest rate, opening cost and commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, successfully operating for more than ten years. All offers displayed on this page are the best or most profitable solely in the opinion of Banki.ru experts