Calculation of annual interest. In which bank to open a deposit at a high interest rate? Banks with interest on deposits of 10 percent or more

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Passive income is a nice bonus to salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks 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)

Conditions:

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 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 than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

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)

Conditions:

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)

Conditions:

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)

Conditions:

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 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)

Conditions:

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 on small deposits for a short period. 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)

Conditions:

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)

Conditions:

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)

Conditions:

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 the 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%.

A long term provides for the existence of 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)

Conditions:

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 are in 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 of the 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 Web. 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 real terms in which you definitely do 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.

A number of banks offer increased income on deposits subject to certain restrictions on amounts, down payment, terms, withdrawal and replenishment opportunities. Each investor is interested in how to place their savings in order to get the maximum benefit with minimal risk.

Not all banks are ready to offer high interest rates in the current economic situation, limiting offers to maximum 12 percent. Those who want to have 100% a guarantee of the safety of their funds, they turn to Sberbank branches, refusing a tempting offer of high incomes.

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This is partly due to the fact that the interest rate in 13% per annum is subject to additional taxes.

Is it real

Since 2020, a new investment offer has appeared on the Russian stock market - individual investment accounts opened for a long period for amounts available to a wide range of depositors. The attractiveness of this instrument is in the state guarantee in obtaining income from the investment.

To take advantage of the offer, you must complete the following procedure:

The broker opens an individual account to which a certain amount is deposited. Maximum profitability on the account - when placed on the account 400 thousand rubles.
With the help of the account, various securities (shares, bonds, government bonds) are purchased.
After a year, the investor applies to the tax office to fill out an income declaration, which indicates the amount of profit received. The declaration is accompanied by a certificate of an open account and data on the amount placed on the account.

Contacting the tax service will allow the investor to receive a deduction from the state. When investing in 300 thousand rubles in the middle of the new calendar year, the investor will be refunded the amount of the deduction in the amount of 40 thousand rubles. This procedure repeats the following year.

If the depositor has decided to use the deposits with the highest interest, one should carefully study the financial position of the bank and its reliability in conditions of economic instability.

If the depositor wants to change the serving broker, the account with funds is transferred to another broker. You can close the IIS after the expiration 3 year old term, while there is an obligation to pay tax on the profit received from the IIA.

IIS features:

This financial product significantly outperforms ordinary bank deposits in terms of profitability, allowing you to receive guaranteed 13% per year in the form tax deduction at the end of the calendar year;
income from IIS operations can only be used after the account is closed;
the tax deduction is transferred to a separate account of the depositor with the possibility of subsequent withdrawal or use for further investments.

Most popular offers

Profitable from Rosinterbank

Offers to open a deposit under 13% per annum “Profitable+”, which allows you to make a profit up to 13% per year with a guarantee of maintaining the accrued interest in case of early closing of the account.

Deposit terms:

rate - up to 13% in year;
min. investment size – from 10 thousand rubles / 300 dollars or 300 euros;
deposit term - up to 366 days (1 year);
the deposit is placed in the three most common currencies in the Russian Federation;
deposit amount - from 10 thousand rubles or 300 dollars/Euro;
the possibility of replenishing the deposit in the first 122 days deposit actions;
replenishment from 3 thousand rubles or 100 dollars/Euro;
partial withdrawal before the end of the term is not provided.

The interest rate depends on the duration of the deposit:

Income strategy from Logobank

Another way to generate income 13% inclusive is a banking product from Logobank, which allows depositors to take part in the implementation of the CapitalPlus income program and make transactions in the stock market.

The interest rate directly depends on the term of the deposit:

Offer terms:

Deadline - up to 300 days.
Without the possibility of replenishment or withdrawal.
The maximum amount of the deposit is limited to an amount equivalent to the investment insurance premium.
The beginning of the contract is from the moment of signing and paying for the relevant insurance.
Early closing of the account entails the loss of part of the profit. Interest will be charged at the rate 0,5% based on the actual placement period.
It is possible to prolong the deposit with re-registration for the tariff offer “Sea of Interest.
Interest is paid monthly to the client's card account.
Interest payment: monthly to a bank card account.

Other deposit options at 13 percent per annum

Getting a large income in a bank often means having certain restrictions on the disposal of your capital for a fairly long period. For those who plan to make short-term investments with the possibility of early closure or partial withdrawal, you should choose from savings offers (savings deposits).

For citizens who want to receive income from their savings with the highest possible profit, there are many offers among banking products.

Among ruble offers with high interest rates, it is worth noting the following deposits at 13 percent per annum in 2016:

Fin. organization	Bid, %	Deposit term	Payout %	Add. contributions
Upper Volga Bank	13,65	12 months	Provided	Not provided
Yar Bank	13,55	12 months	Provided	Not provided
ArksBank	13,50	181 day	Provided	Not provided
Interactive Bank	13,70	12 months	Not provided	Provided
Russian Trade Bank	13,25	91 days	Provided	Not provided
RiaBank	13,51	12 months	Provided	Not provided
AnkorBank	13,00	91 days	Not provided	Provided

When choosing a bank deposit, you should carefully study the conditions under which the financial institution promises to pay high interest income.

Before signing the contract, you should pay attention to the clauses of the contract regarding:

conditions for withdrawing interest during the term of the deposit;
possibilities and ;
opportunities to increase profits;
what guarantees does the bank give for the safety of the deposit and interest in the event of a license revocation or.

For deposits opened in foreign currency, the maximum percentage of the rate that exempts from paying personal income tax must be within 9%

Taxes at high rates

Putting money in the bank and getting interest is the easiest and most affordable way to not only save your savings, but also increase them. In this article, we will talk about how to best manage your money in today's unstable economic environment by opening a bank deposit at 10% per annum.

Sberbank, VTB 24, Gazprombank and other financial market leaders guarantee the safety of deposits, however, the interest on deposits in these banks is not too high. The maximum that an investor can count on is 6-7 percent of annual income.

In the conditions of current inflation, such interest does not even ensure the preservation of the value of the deposit itself, not to mention the receipt of any profit. At the same time on Russian market there are banks where you can actually place money at 10% per annum. In the table, we selected ten proposals:

Name of the bank Programs	Interest rate	Min amount	Term
Russian International Bank Deposit "Profitable Classics"	Up to 10.50%	3,000,000 rubles	From 31 days
Tempbank Deposit "Ten"	10%	100 000 rubles	367 days
NovakhovCapitalBank Deposit "Novakhov Club"	9,70%	50 000 rubles	From 351 days
International Bank of St. Petersburg Investment "Investment in the future"	Up to 9.75%	250 000 rubles	From 31 days
Prime Finance Deposit "Classic"	Up to 9.75%	30 000 rubles	From 91 days
Loco-Bank Deposit "Income Strategy"	Up to 10.5%	100 000 rubles	300 days
Absolut Bank Deposit "Absolute maximum +"	Up to 9.75%	30 000 rubles	From 91 days
Bank Trust Contribution "Own people"	Up to 9.40%	30 000 rubles	From 91 days
Yugra Deposit "Maximum"	Up to 9.40%	1,500,000 rubles	From 61 days
FC "Opening" Premium deposit	Up to 9.25%	50 000 rubles	From 91 days

It is clear that the banks in our table do not occupy high lines in the ratings, however, you can invest money with sufficient confidence, since these credit organizations are members of the system. When opening a deposit, we recommend that you take into account that the state insures an amount of up to 700 thousand rubles. Interest on the deposit is included in the amount of insurance compensation.

Here are some more profitable banking offers for deposits:

Is it possible to know in advance if the bank will close?

Can. As well as many other things. Before signing an agreement on opening a deposit, we advise you to go to the portal of the Central Bank of the Russian Federation and familiarize yourself with the list of credit institutions that are candidates for license revocation. There you will also receive detailed information about the bank. In addition to the official website of the Central Bank, you can look at the interesting resource banki.ru, where you will learn not only the history of the selected bank, get acquainted with its current offers, but also find out what customers think about the organization.

Subtleties of the contract

Having decided on the reliability of the bank, you need to study the deposit proposal. 10 percent is not a little, but there are many pitfalls that it is better to know about in advance. The deposit agreement provides for a number of conditions, the presence of which makes it either beneficial for you or not. Monthly interest payments, capitalization, early withdrawal, various penalties - this is what you should pay attention to before entrusting money to the bank for a long time.

By the way, we do not recommend making this period too long. When dealing with a little-known bank, it is better to play it safe and not invest for a long time. Especially if the bank fines you for early termination of the contract. In some credit institutions The following clause may be included in the contract:

“In case of early withdrawal of the deposit, during the first 100 days of the agreement, interest is recalculated at the rate of the deposit “on demand”, according to the Bank's tariffs in force at the time of termination of the agreement.”

Let us clarify that in this case the rate will be equal to 6% instead of the stated 10.25%. This example clearly illustrates that you should be careful when reading the terms of the agreement with the bank. The issue of early withdrawal of funds should also be discussed before opening an account.

In order for the deposit to be profitable, and at the same time you do not have to conclude an agreement for a period of more than six months or three months, we recommend that you look at the seasonal offers of banks. It is for such periods that seasonal offers with the highest interest rates operate.

Even in a difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest on deposits? The website agency experts analyzed the proposals of the largest banks in the country, compiling a review of deposits in rubles with favorable interest rates.

Deposits of 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 earn 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 fairly high profits, but they 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 deposit: what to look for

When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:

- the size of the interest rate, which allows you to choose a deposit with the maximum income;
- reliability of the bank, which allows you not to worry about the safety of savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts of the agency website tried to do this by examining the conditions for deposits in Russian rubles for individuals in reliable banks.

What deposits in reliable Russian banks are the most profitable today

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 the rates in the largest Russian banks on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).

The most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FK Otkritie

Deposit "Reliable"

Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.

Promsvyazbank

Deposit "My income"

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

Savings account deposit

Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.

Post-bank

Deposit "Capital"

Without replenishment / Without partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

Contribution "Save"

Interest rate

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

Today, Moscow banks offer big number various kinds profitable deposits for individuals. But all of them can be divided into several groups:

✓ term deposits with the highest interest. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot take it back without losing interest or replenish your account.

✓ replenished deposits of individuals. 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 funds from the account and not lose profitability.

✓ deposits with partial withdrawal of funds without loss of interest. Such deposits usually 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.

Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.

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Today, banks offer many services to the population, the most popular of which are lending and depositing. The policy regarding loans and deposits is largely controlled by the Central Bank of the Russian Federation, as well as Russian legislative acts. However, banks have the right to provide loans and place deposits on certain conditions, if this does not contradict the law.
According to statistics, every 10th Russian is a client of this or that bank. That is why the question of how the annual interest on a loan or bank deposit is calculated is so important. In most cases, interest refers to the size of the bet. The total amount of overpayment on the loan, as well as the amount of the monthly payment, depends on the rate.

Annual percentage of deposits: calculation according to the formula

First of all, consider bank deposits. The conditions are specified in the agreement at the time of opening a deposit account. Interest is charged on the deposited amount. This is a monetary reward that the bank pays to the depositor for the use of his money.

The Civil Code of the Russian Federation provides for the possibility of citizens to withdraw a deposit at any time, along with accrued interest.

All the nuances, conditions and requirements for the deposit are reflected in the agreement between the bank and the depositor. The calculation of annual interest is carried out in two ways:

Annual percentage of the loan: calculation by the formula

Today, the demand for loans is huge, but the popularity of a loan product depends on the annual interest rate. In turn, the amount of the monthly payment depends on the interest rate.

Considering the issue of calculating interest on a loan, it is necessary to familiarize yourself with the basic definitions and features of lending in Russian banking institutions.

The annual interest rate is the amount of money that the borrower agrees to pay at the end of the year. However, interest is usually calculated on a monthly or daily basis for short-term loans.

No matter how attractive the interest rate on a loan looks, it should be understood that loans are never issued free of charge. It does not matter what type of loan is taken: a mortgage, a consumer loan or a car loan, the bank will still be paid an amount more than they took. To calculate the amount of monthly payments, it is necessary to divide the annual rate by 12. In some cases, the lender sets a daily interest rate.

Example: a loan is taken at 20% per annum. How much interest from the body of the loan is required to pay daily? We believe: 20% : 365 = 0,054% .

Before signing loan agreement it is recommended to carefully analyze your financial situation, as well as make a forecast for the future. Today, the average rate in Russian banks is about 14%, so the overpayment on the loan and monthly payments can be quite large. If the borrower is unable to repay the debt, this will lead to the imposition of penalties, lawsuits and loss of property.

It is also worth knowing that interest rates may vary depending on their condition.:

constant - the rate does not change and is set for the entire loan repayment period;
floating depends on many parameters, for example, on the exchange rate, inflation, refinancing rate, etc.;
multilevel - the main criterion for the rate is the amount of the remaining debt.

Having become familiar with the basic concepts, you can proceed to the calculation of the interest rate on a loan. For this you need:

Find out the balance at the time of settlement and the amount of debt. For example, the balance is 3000 rubles.
Find out the cost of all elements of the loan by taking an extract from the loan account: 30 rubles.
Using the formula, divide 30 by 3000, you get 0.01.
We multiply the resulting value by 100. The result is a rate that regulates monthly payments: 0.01 x 100 = 1%.

To calculate the annual rate, you need to multiply 1% by 12 months: 1 x 12 = 12% per annum.

Mortgage loans are calculated much more complicated, because. include many variables. For a correct calculation, the loan amount and interest rate will not be enough. It is better to use a calculator that will help you calculate the approximate rate and amount of monthly mortgage payments.

Calculation of annual interest on a loan. Online calculator (balance by month and overpayment amount)

For a detailed determination of the annual interest on the loan, the distribution of the balance of the loan body by month and year, as well as displaying information in the form of a graph or table, you can use the online calculator for calculating