Savings accounts were previously offered by a few large banks. Until this year, such products were in the line of Promsvyazbank, Alfa-Bank and some others. Money in such accounts is more mobile than in deposits: they can be withdrawn at any time, which is not very convenient for the bank when planning liabilities, the bankers explain.

In the spring, such an account was offered to clients by Raiffeisenbank and Otkritie Bank, in the summer - by Unicredit and Binbank. In September, Alfa-Bank presented to its customers its seventh, this time seasonal (can be opened before the end of the year) High Season savings account. Each of the accounts of this bank is intended for a certain category of customers. For example, “My safe” is for those who are just starting to save (monthly interest is charged even for 1 rub.), And “Valuable time” is more profitable for those who start with 300,000 rubles, a bank representative explains.

Bankers admit that they are now forced to bet on attracting funds from individuals to savings accounts. “For a bank, the cost of such resources is significantly lower than, for example, term deposits,” explains Alexander Efremov, head of the passive and insurance products department at Otkritie Bank. According to Svetlana Pirozhkova, Director of the Retail Segments and Marketing Department at Unicredit Bank, banks are reacting to the behavior of customers who this year prefer short-term or open-ended investments in order to be able to quickly respond to a changing situation.

plus on plus

The fact is that a savings account is a regular current account (usually in rubles) with a monthly accrual and capitalization of significantly more income than on demand deposits: 3-8% per annum in rubles versus 0.01-0.1%. True, their yield is somewhat inferior to deposits with a minimum balance (on average by 1-1.5 percentage points).

“This instrument combines the advantages of conventional current (card) accounts and term deposits. The client has the opportunity, without restrictions and loss of interest, to withdraw money and replenish the account at an increased rate on the account balance, earning even on small amounts, - Stanislav Ismagilov, director of products at Alfa-Bank, lists the advantages of the product. “We recommend that clients divide savings: place some funds that will definitely not be useful in the near future on deposits, and leave some on savings accounts in order to be able to withdraw them if necessary.”

Savings accounts can be conveniently managed via Internet banking. Almost all banks provide such an opportunity today. And when opening accounts via the Internet, banks, as a rule, add 0.3-0.5% per annum to the rate.

Facilities individuals on savings accounts within 700,000 rubles, as well as in all other deposits, are insured by the DIA.

Traps for the scattered

As a rule, to open a savings account, banks do not require even a minimum amount to be deposited, but in order to receive an increased (compared to a demand deposit) income, it is almost always necessary to keep a set minimum amount of funds in the account throughout the month. It can be 10,000 or 100,000 rubles. (see table). If the amount is below the established minimum, income is accrued at the demand rate.

From the first ruble, Raiffeisenbank accrues income on its savings account.

The increased rate at which monthly income will be accrued is also usually tied by banks to the amount in the account. At Alfa-Bank, the accrual of interest on the Valuable Time account is more complicated: the rate depends on the minimum account balances during the previous 1, 3, 6 and 12 months.

It is with the procedure for calculating interest that the main tricks are connected that may await a client who inattentively reads the savings account agreement.

Some banks limit not only the minimum, but also maximum amount, which will accrue increased income. For Unicredit Bank, this is 8 million rubles, for Binbank - 30 million, for Otkritie - 50 million. Amounts in excess of these limits will be stored in savings accounts in these banks with a demand rate charged.

In addition, most banks accrue income only on the minimum amount that was in the account during the month. That is, you can keep a million in your account for almost the entire month, withdrawing money only for 1-2 days, and as a result, you will not receive a single ruble of income. Otherwise, they pay interest on savings accounts Raiffeisenbank and Binbank: income is calculated based on the daily balance in the account at the beginning of each day (credited to the account, like everyone else, once a month).

Another surprise is the bank's change in the rate on the account, both upwards and downwards. “Since we are talking about a perpetual account, banks can adjust the rate depending on market trends”, - explains Anton Masliy, director of the Binbank retail product development department, but the client will be notified of this at least 15 days in advance - by e-mail, sms, on the website and in offices.

If the new conditions do not suit the client, he will be able to close the account, retaining the accrued interest, or change the bank.

Savings accounts of VTB 24 allow in 2020 to receive a high income, both on a deposit, and also to freely dispose of savings in rubles and foreign currency: dollars and euros. We will analyze their pitfalls, how interest is calculated and paid, and also compare the current rates and conditions.

VTB savings account is a financial service that will be convenient and beneficial for those who do not want to open a deposit, because they do not have large savings, but intend to make their money work. This is a kind of piggy bank that you can get into if necessary, but the funds in it are not only stored, but also bring passive income. At the same time, the interest on the account can be even higher than that of deposits (for an overview of VTB Bank deposits for individuals, see).

Today VTB offers two types of such products:

1. "Savings account";
2. Piggy bank account.

They have different schemes for calculating interest and rates.

In this review, we will compare the conditions and profitability of VTB savings accounts, find out their pitfalls, and also find out which one will be the most profitable today.

"Savings account" VTB Bank: conditions and interest

The main difference between the “Savings account” and the deposit is that the amount and term of investing money are not strictly established. You can deposit at least 100 rubles, at least a million, in the bank, and take it away even in a month, even in a year. You will still receive some income.

Briefly, the conditions of the "Savings Account" of VTB Bank are as follows.

Conditions for opening a Savings Account with VTB Bank

• Deadline: not set;
• Replenishment: no restrictions;

Interest rates of VTB Savings Account without Multicard

Interest is accrued monthly on the amount of the minimum balance on the "Savings" account during the month.

In order to receive a high income, it is enough to keep the amount unchanged or replenish the account. Over time, the rate will increase.

in Russian rubles

In Euro

Term	Interest rate
from 1 month	0,01%
from 3 months	0,01%
from 6 months	0,01%
from 12 months	0,01%

How to get a higher rate

For Multicard holders, VTB offers increased interest on the Savings Account. In order to receive them, you need to open, in addition to the Account, also with the “Savings” option.

In this case, the amount of the premium to the base interest rate will depend on the amount of purchases on the VTB Multicard per month.

Interest rates of the VTB Savings Account with Multicard and "Savings" option

Conditions for calculating interest with VTB Multicard:

1. The surcharge is calculated on the amount of the minimum balance within calendar month, when making purchases with a VTB Multicard in the amount of at least 5,000 rubles and is paid no later than the 15th day of the next month.
2. Interest is paid on the last day of the month by capitalization. If the amount of the balance on the Savings Account is more than 1.5 million rubles, then the allowance is charged only in the amount of 1.5 million rubles.

Where to open a savings account

There are three ways to open a VTB Savings Account:

1. at any branch of VTB Bank. To do this, you only need a passport;
2. online in the Internet bank;
3. through the Mobile Application.

Closing conditions

1. The balance on the Savings Account is returned to the client's master account.

See the conditions of the savings account in Alfa-Bank.

VTB Piggy bank account: conditions and interest

The Piggy Bank account is another interesting financial instrument that VTB Bank offers today. His main feature- interest is charged not on the monthly minimum balance (as in the "Savings account"), but DAILY.

Briefly, the terms of the Piggy bank account are as follows.

Conditions for opening a piggy bank account with VTB Bank

• Currency: Russian rubles, US dollars, euros;
• Deadline: not set;
• Minimum amount: no restrictions;
• Replenishment: no restrictions;
• Minimum amount additional contribution: no limits;
• Withdrawal of money: without restrictions and loss of accrued interest.

Interest rates for VTB Kopilka account without Multicard

Interest is calculated daily on the account balance. In this case, the rate depends on the amount of money and the period of storage.

in Russian rubles

in currency

0.01% in US dollars and euros, regardless of the amount and term.

IMPORTANT! One client can only have one account in each currency. When re-opening an account in the same currency, an increased interest rate not available for the first three months!

Compare VTB interest with the rates offered today

How to get an increased interest on the Piggy Bank account

VTB Multicard holders can receive increased interest on this account. To do this, in addition to the Piggy Bank, you also need to open a VTB Multicard with the Savings option.

In this case, the amount of the percentage premium to the base rate will depend on the amount of purchases made on the VTB 24 Multicard per month.

Interest rates for Piggy Bank account with VTB Multicard and Savings option

Purchases, rub. per month	1 – 3 months	from 4 months
	7,5%	5,5%

Conditions for calculating interest with VTB Multicard

1. Increased rates are valid only for amounts up to 1,499,999 rubles. For the amount over 1 499 999 rubles. an income of 0.01% per annum and a surcharge on the “Savings” option are accrued.
2. The interest rate is paid on the last day of the month, based on the amount of the incoming balance of funds on the Kopilka account at the beginning of each day.

Where to open a piggy bank account

You can open an account at any branch of VTB Bank. To do this, you only need a passport.

Registration in the Internet Bank or mobile application is not yet available.

Closing conditions

1. Interest for the month in which the account was closed is not accrued;
2. The balance on the Piggy bank account is returned to the client's master account.

Conclusions: pitfalls of VTB bank savings accounts

So what is more profitable to issue - the usual "Savings Account" of VTB or "Piggy Bank"? To answer this question, let's compare their pros and cons.

Savings account	Money box
Decor
in the office and online	in the office and online
Maximum income
After 1 year	1 to 3 months
Maximum bet
Interest accrual
Monthly for min. account balance	Daily
Max. amount on which interest is charged
Not limited	up to 1.5 million rubles

As you can see, the usual “Savings Account” and “Piggy Bank” are quite different from each other.

1. Savings account

It is profitable to open for investing money for a long time;

An analogue of the VTB "Comfortable" deposit.

2. Piggy bank account

It is advantageous to arrange for storing small amounts intended for daily expenses;

An analogue of a Debit card with interest on the balance.

Information about VTB Bank

VTB Bank - universal commercial Bank with state participation (60.9% belongs to the state). The head office of the bank is located in Moscow, and the bank is registered in St. Petersburg.

VTB was founded in 1990. In the course of development in 2016, he took over the Bank of Moscow, and in 2018 - and subsidiary bank VTB 24. Now it is a single VTB bank.

Today VTB is one of the largest and most reliable banks in Russia. By volume equity, the size of assets and the amount of deposits, VTB is second only to Sberbank. But ready to compete largest bank Russia in terms of accessibility of services for the population. It has many branches not only in Moscow, St. Petersburg, but also in other cities of Russia.

All VTB deposits are insured in accordance with federal law"On insurance of deposits of individuals in banks Russian Federation» No. 177-FZ of December 23, 2003.

Contacts for information and consultations

Learn more about the conditions for opening and interest rates of Savings Accounts from VTB Bank employees.

Phone: 8 800 100-24-24 (free for Russian regions).

Postal address: 109147, Moscow, st. Vorontsovskaya, 43, building 1.

The information is not a public offer. General license of the Bank of Russia No. 1000.

Many do not keep money on deposits or in banks at all, because they think that money may suddenly be needed, and in this case it will be problematic to withdraw it. From the simple storage of funds on the card, according to the majority, there is no sense either. But it's not. In this review, we will talk about the main differences between a savings account and a deposit.

Is the savings account insured?

Yes, any open account with a credit institution is insured and will be compensated in case of any problems. The insurance covers deposits, savings and card accounts.

If the bank tells you that you can lose money when opening a savings account, don't believe it! The employee is incompetent or has been tasked with attracting customer funds for long-term deposits.

Do savings accounts earn interest?

Accumulative accounts, as well as deposits, accrue interest on the balance. However, it may be less than the contribution.

In this case, there may be several savings accounts. Some banks allow you to open up to 10. This is convenient if you save for various purposes, but not regularly, and want to receive additional income in the form of percentages.

This is how it works, for example, in "" and "". According to the savings account, they can receive 7.5% and 6% per annum, respectively. But in Sberbank, the rate in this case will be no more than 1.5%.

Can a debit card act as a savings account?

Your debit card can work as a savings account. That is, on the entire average monthly balance, you will be charged interest simply for the fact that you keep the money.

In some cases, however, it is necessary to fulfill an additional condition. For example, make purchases for a certain amount. Other banks charge interest on the entire amount even if you do not buy anything during the entire validity of the card. The same Rocketbank has such an offer, the card of which brings monthly 7.5% per annum.

Advantages of a savings account over a deposit

The main advantage of a savings account over a deposit is that you can withdraw money at any time without waiting for the expiration of any period. That is, at least a week later, at least six months later, and so on. At the same time, you will not lose the interest that was accrued, and for the time that your funds were kept in the next billing period, new ones will be calculated.

Also, when opening a savings account, it is not set minimum amount, as in the case of a deposit. You can open an account with both 10 rubles and 100,000 rubles on it. The annual percentage of this will also not change. It will be valid until the bank itself revises the terms of service.

In addition, the savings account can be replenished with different amounts over any period of time an unlimited number of times. For deposits, such replenishment is strictly limited by conditions, as well as withdrawals.

Cons of a savings account over a deposit

In fact, the savings account has only one minus - a lower yield compared to deposits.

Some credit organizations may also intentionally limit the maximum amount on such accounts from which income can be generated. This usually applies to card accounts. For example, for amounts up to 300,000, 7% per annum is charged, and for everything that is more than this value, only 3%.

In a situation where a person needs to send money for storage, it appears two choices: deposit and savings account. And if the first case represents an inflexible system with restrictions, but high profits, then the second is the opposite. This account is more flexible and freer, but brings less income.

Bank account, which allows its owner to deposit, withdraw, store and receive interest from Money, represents such a type of deposit as accumulative.

It can be most clearly described in one word - mobility. It lies in the fact that the client of the bank has complete freedom of what to do with the money on it. Funds can be withdrawn and replenished at any convenient time. The limit is only a fixed minimum balance, below which it is impossible to withdraw an amount.

The primary reason for opening a deposit is safe storage. Secondary - interest.

Advantages and disadvantages

Advantages savings deposit:

• flexibility;
• no restrictions on any period;
• complete freedom of funds management;
• no loss of interest;
• receiving income.

However, there are also minuses:

• small interest compared to the deposit;
• interest is completely dependent on the amount that is on it at the moment;
• insurance in compulsory program(the amount of insurance is 1.4 million);
• if the real amount exceeds the amount of insurance, then only the available insurance limit of 1.4 million rubles is paid as compensation to the bank client.

Cons, however, not so much, but for some they are really important.

Step-by-step instructions for opening

A financial institution can open a deposit for entity - resident. Moreover, it is allowed to open for an organization that has foreign investments in its capital. The person who applied to the bank must provide statement, according to the basic form, and list of documents:

• list of members of the organization;
• identity of the authorized person;
• confirming the consent of all founders to open a savings account.

In the case when it is opened by one person, then it is signed, respectively, only by him without using any powers of attorney.

There are also several options for opening using a phone number, mobile bank, the site of a financial institution and a bank branch.

All examples, for greater clarity, are given on Sberbank.

1. By phone number. Need to call to hotline jar - 8 800 555 55 50 . The consultant who will answer the call must be asked to open the piggy bank, having previously identified his personality. After that, he will ask you to follow his instructions. Calls within the territory of the Russian Federation are free.
2. With mobile banking. In the Sberbank Online application, select the card for which you want to connect a deposit. Then click on the "Connect piggy bank" tab, selecting the "Cumulative" type. Confirm the operation done, thereby completing the creation.
3. Bank website. After logging into your account, click on the "Cards" tab. Select the required debit card and click on the "Operations" menu item, where you need to select the account connection. Then a menu will appear where you need to select the type of deposit, the place where the funds should be taken from and where they should be sent in case of withdrawal.
4. bank branch. Visit a bank office. Contact a consultant and write an application for opening a deposit. You must have your card and passport with you. Then you need to ask the operator to activate the service.

What conditions do banks offer

There are not so many basic conditions for banks. Basically they are:

• free financial management (withdrawal, replenishment) without loss of interest rate;
• arbitrary amount of replenishment with the only exception: the amount that goes to the deposit should not be 10 times more than what is on it;
• interest payments, according to the minimum balance that is on the account in the specified period.

These three conditions are present in any financial institution.

What is the difference from the contribution

The main difference between an account and a deposit is Liberty. The present opportunity to withdraw money from the deposit at any time for the majority is a decisive factor in the design.

How do they open

Opening a funded deposit represents almost automatic procedure. You need to press a couple of buttons (when opening remotely) and you're done.

In the case of a deposit, be at a bank branch(if opening is happening for the first time). It is also necessary to sign contracts and provide a basic package of documents.

How many act

Validity period of the savings deposit is not limited. The owner can close it at any time and keep it active as long as he wants.

The term of the deposit, on the contrary, limited. The apogee of the minimum and maximum term is 2 and 5 years respectively. Banks charge a certain penalty for early closure.

How to manage money

Using a savings deposit, money can be withdrawn and replenished at any time. Their use is not limited.

In the case of a deposit, withdraw money you can't be free. In theory, this can be done, but you will have to pay a certain fine, which is set by the bank. As for replenishment, it may or may not be allowed on the deposit. It all depends on the conditions of the bank.

Are you insured

If we talk about insurance of a savings account and a deposit, then by default (for individuals) they are insured up to 1.4 million rubles.

As for legal entities, there are restrictions and, in some cases, lack of insurance. For more information, please contact the bank.

What to choose

First of all, it is necessary to build on the goals and sizes of free amounts. If the goal is to "borrow" a free, but small, amount of money - a deposit with accumulation. This will help to make a profit, albeit a small one.

If there is a lot of money and it is necessary to “borrow” money with something, earning it if possible, - a contribution. It is worth noting that small amounts in deposits do not work and you do not need to send them to it.

What banks offer: comparison

Using the simplest way to store funds, oddly enough, requires the most the best bank for this. That is why it is necessary to compare them.

When choosing a deposit, it is necessary to focus on the following parameters: the approximate period of use, the amount of funds available, the need to replenish the deposit.

Sberbank

One of the most popular banks in the country has three basic tariffs:

1. "Top up online". The tariff is available only to those customers who have a card. You can open it remotely. The interest rate, which depends on the term and funds, is mainly between 3.95% and 5.12%. The account itself is valid for up to three years, and the minimum amount is 1000 rubles.
2. "Replenish".It is an analogue of the previous tariff, with the exception of two nuances: you can open it only in a branch and the interest rate is in the period from 3.7% to 4.62%.
3. "Control (online)". A mixed tariff that allows you to open a deposit both online and in a branch. The maximum term is three years, and the interest rate is in the period from 3.25% to 4.82%. Minimum payment- 1000 rubles.

Thus, the "nationality" of the bank fully justified due to these rates.

VTB

The second most popular bank in the country. Has one flexible rate available. TO VTB savings account terms applies to:

• transfer from a card to a deposit of a specific amount on a specific day;
• accrual of interest on the residual amount;
• cash withdrawal without loss of interest.

It is valid indefinitely, and opening and maintenance is free. As for interest, they depend on the term - 4%, 5%, 5.50% and 7% for 1, 3, 6 and 12 months, respectively.

Alfa Bank

1. "Activity". A specific tariff created for owners of fitness bracelets. So, for 1 meter, from 1 to 50 kopecks are credited to the savings account. In the future, it has 5.8% per annum.
2. "Airplane". Suitable exclusively for those who have issued an Aeroflot card. Instead of accruing interest and money - miles. However, this happens on the condition that there is up to 50,000 rubles on the card linked to the deposit.
3. "Accumulation". The money comes from the "Piggy bank for salary" or "Piggy bank for change" cards. The entire balance is charged at 7% per year.
4. "Blitz Income". Has no limit on withdrawal or replenishment. The interest rate is directly proportional to the amount:

• 2.5% - up to 999,999 rubles;
• 3% - from 100,000 to 499,999 rubles;
• 5% - from 500,000 to 999,999 rubles;
• 7% - from 1,000,000 to 4,999,999 rubles;
• 8% - from 5,000,000 rubles.

Accrual occurs monthly, and the removal and replenishment of funds has no restrictions.

1. "My safe". Type of account, the conditions of which are closely related to the services. So, this tariff is most suitable for people who use "Comfort", "Optimum", "Maximum". Interest rates range from 1% to 1.8%, and the minimum installment is 1 ruble.
2. "Valuable Time". The minimum contribution to the account is 100,000 rubles, and the annual interest rate can be increased to 7.5%. Use is available only to those customers who have activated the services "Optimum", "Maximum +", "Comfort" or "Alfa Private".

Thus, if you need to choose a special deposit, then Alfa-Bank will be the leader.

Tinkoff

Tinkoff Bank has the only kind of savings account, where all the most unique is collected. VC conditions are:

• cash withdrawal up to 3000 rubles without commission;
• free service if there is more than 50,000 rubles on the account;
• annual interest rate - 6%;
• withdrawal of money from the deposit does not entail the loss of interest;
• there is no minimum and maximum amount threshold;
• opening an account is allowed only in rubles.

The bank focuses on remote control, and therefore the main method of opening is the Internet. In the case of opening a deposit in a branch, a commission of 1000 rubles is charged.

Is it possible to use a savings account without a card?

Theoretically - yes. However, most banks do not allow this. This is due to the fact that the deposit is more of an addition to the main service, rather than a separate part.

If you still managed to find the use without a card, then you need to make sure that free cash withdrawal.

Additional comparison information is provided below.

You will learn what a savings account is and in which bank it is best to open it, get acquainted with the terms of interest calculation and learn how to get the most out of a savings account.

20.04.2018 Evgeny Zolotarev

Today we will consider a relatively new deposit mechanism - a savings account (SA).

It allows you to earn interest on unused money. Term deposits work according to a similar scheme, but a savings account differs in that you can withdraw money from it at any time, as well as replenish a deposit.

What is a savings account and why open one?

With such an account, the client does not need to hold a fixed amount for the agreed time without the possibility of withdrawing it. While the funds lie with the bank, the financial institution uses them for its own purposes and pays interest to the owner of the money.

Although the bank has no guarantee that the depositor will hold this money for a certain period of time, there is a statistically calculated expectation that the funds will not be withdrawn. That is, they can be safely used for investment. The benefit of the bank is obvious. Now let's see what is the benefit to the investor from the "savings".

The depositor receives his interest simply by keeping the amount in the bank. The average interest on deposits in rubles is not higher than 8%. But even that is a significant amount.

If you take 8% of 100,000 rubles - you get 8 000 rubles. For comparison, the minimum wage in Russia in 2018 is set at 9,489 rubles. The presence of the amount savings account will be a good job.

When choosing a bank to open a savings account, you need to carefully consider the conditions, especially any footnotes. Small details can greatly reduce the percentage received.

Interest conditions - an overview of the main options

The main thing that you need to familiarize yourself with is the conditions for calculating interest.

The essence is clear from the name: these are the rules by which the bank will determine how much to pay the depositor. There are several common interest payment schemes, and each has its own characteristics.

There are different options for calculating interest, you just need to choose best option for myself.

Option 1. Percentage of the minimum amount that was on the account during the month

The most common scheme. It looks simple: the bank monitors the minimum amount of money that the depositor had left, and at the end of the month pays a percentage of this amount.

Thus, having found himself in a difficult life situation, an investor who is forced to withdraw money from the National Assembly, even for a short time, will also receive little at the end of the month. This situation is undesirable and hinders the implementation of the planned plans.

Also, if you put money into the account the day after it was opened, for the first month the depositor will receive zero from the bank, because the minimum amount was zero. Do I need to say that when the account is closed, the same thing will happen?

There are few options on how to get the most out of such a scheme. But they are. For example, deposit money before the start of a new month so that the minimum amount for this month is as large as possible, and pull the inevitable withdrawals until the beginning of the month in order to receive bank payments for the previous one.

Despite the prevalence of the scheme, it is not very convenient. There are two more options for interest rates.

Option 2. Accruals on a given minimum balance

This accrual method partially brings us back to time deposits. The specified minimum balance is the money that must always be in the account in order for the depositor to receive payments. All other money lies as on a regular deposit, they can be withdrawn, stored, but the percentage of this will not increase.

Since the depositor negotiates a fixed amount with the bank, the interest under this condition is higher than in option 1. And you can dispose of this fixed amount with one condition - not to receive interest at the end of the month. This type of condition can be called a softer version of a term deposit.

Option 3. Accrual on the daily balance

The most interesting of all the options for schemes. Income depends on the minimum balance for each day.

Thus, there is no danger of losing all income for the month, withdrawing and depositing money on the same day. And if you keep a large amount on deposit even for a couple of weeks, this will positively affect the availability of interest.

Opening a savings bank account - step by step instructions

The very process of opening the NS is simple, it is much more important to choose the right conditions.

So these steps need to be given special attention.

Step 1. Choose a bank

When choosing a bank, pay attention to the following criteria:

• the proximity of the location of the branch and ATM;
• the reliability of the bank;
• Terms of Service;
• supported currency.

The reliability of the bank is especially important, since not all savings accounts are insured. See below for tips on how to avoid losing money. To analyze information about banks, use sites like banki.ru - they contain reviews with real situations that arise in banks. There you will also find out about possible problems.

A currency account is mainly important for those who want to keep it in dollars or euros.

Step 2. Fill out the application

Fill out an application for opening a National Assembly directly at the bank or via the Internet. Banks provide both methods. The face-to-face option is suitable for those who are not sure that they themselves are able to draw up everything correctly: the employees will explain the controversial points and help to fill everything in correctly. They will also answer all your questions.

However, more and more often, bank websites provide a chat service with a specialist, so that you can remotely find out any information if you wish, and at the same time fill out an application without a queue and at any time.

At this stage, you already need to choose whether a temporary or permanent NS, whether you need a debit card. There are options for opening a deposit for a child up to his age. There are registered accounts. In general, it would be nice to first calculate the profitability of the entire enterprise.

Step 3. Choose the terms of interest calculation and sign the contract

There are usually several ways to calculate income in each bank. It remains only to choose a suitable scheme and conclude an agreement.

Often, banks call offers for the client such attractive names as Gold, Platinum, Uletny and the like. They really are “gold”, but you should never forget about footnotes.

In which bank to open an account?

First option that comes to mind ordinary Russian— Sberbank. It is very common, it is quite reliable, but the conditions ... in other banks are even better. Here are three banks to look out for:

Home Credit

Cosmos card - 7.5% per annum.

In order for income to be accrued, it is necessary that at least 10,000 rubles are constantly on the card. Apart from high percentage, Home Credit offers several "goodies" - issuing a card and its maintenance is completely free if it contains more than 10,000 rubles. For cash withdrawals, money is charged only for the sixth time in a month. There is also 10% cashback from partners.

SovcomBank

Halva card - 7-8% per annum.

Strictly speaking, this credit card with additional charge for storage additional funds. The usual rate is 7%, but here are the conditions that increase it to 8%: more than 4 purchases per month for more than 10 thousand. Thus, it is beneficial in principle to keep your money on the card and use it as the main one.

Tinkoff

Tinkoff Black card - 3-6% per annum.

This bank offers to make purchases in the amount of at least 3,000 per month to increase the interest. The bank provides: 3% per annum for a balance up to 300,000 rubles, increases to 6% if the condition is met, and for all funds stored in excess of 300,000 rubles - 3% per annum without the possibility of increasing.

A 2% commission for withdrawing money is charged only if you withdraw an amount not exceeding 3,000 or more than 150,000.

How to get the most out of savings

The answer is simple - always store there as much as possible. Also, depending on the conditions of the bank, it is worth calculating the replenishment and withdrawal of money from the card so that it causes the least damage. Sometimes the difference in one day increases or decreases income several times.

You need to carefully monitor changes in the conditions for the provision of services - usually banks do not send out this information, but publish it on the website a week or two before the changes.

On an account that provides for an increase in interest for purchases from a card, you should first deposit money and then withdraw it so that the minimum balance is as high as possible. When planning to buy expensive shoes, it is better to deposit at least part of the amount for them first.

Why storage is dangerous

The main danger of NS is that they are often not insured, or insured for a certain amount for all bank accounts opened. The harm from this is obvious: the bank will go bankrupt, the account will be arrested, and no one will return all the money to the depositor. If it is possible to insure, it is better to do it at a deposit insurance agency - DIA, otherwise the risk of incurring losses is too great.

Also, the bank may have special conditions regarding the withdrawal of money. For example, they are only allowed to be transferred to an account in the same bank. Or a commission is taken for renting - and the size of this commission will not please the depositor.