To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce your search time, you can use our website. Here are suggestions for investments with high interest rates on deposits in. But this is not the only parameter for successful financial investments.

To use capital profitably today, it is not enough to find a deposit with high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will allow you to use your down payment more efficiently. An important point: is it possible to withdraw money from the account early? And if so, will the accumulated interest be saved? Or will they burn?

How convenient is it to search for deposits in Moscow on the website?

Here you can find deposits not only in rubles, but also in other popular currencies for investment - euros and dollars.

On our portal you can compare the conditions of different credit institutions in the city - interest on deposits in Moscow banks, terms, the possibility of replenishing and capitalizing interest. In addition, you can find out about deposits in other large cities of Russia. To find a suitable option you need:

• set up search filters;
• choose the appropriate one from the proposed options;
• send an application or call the bank to clarify information.

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money, which can be used in a variety of ways: hide the money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since interest on deposits in Moscow largely determines how much of the deposit will be added to the original one, many consider them the most important condition for the deposit and, on this basis, make the choice of program and bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• permanent or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow before the deadline;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other by the presence of capitalization.

Which bank in Moscow is better to open a deposit in?

In 2019, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

The deposit calculator on this page will help you quickly obtain all the necessary information on current deposits:

1. Enter your deposit requirements.
2. Get a complete list of current deposits in Moscow banks updated for today.

After this, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

On September 26, 2018, amendments to three important laws came into force: “On Banks and Banking Activities”, “On the Central Bank of the Russian Federation” and “On the National Payment System”. The bottom line is that credit institutions were allowed to block suspicious transactions. We will explain below what this means for bank clients.

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In the 90s, citizens of the Russian Federation were faced with the depreciation of Soviet deposits, when money began to cost several times less. Such clients (or heirs) may receive compensation for lost funds. Let's figure out what amounts to expect and how to get them.

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Bank deposit + life insurance: taking care of the future

Placing funds in deposits with ILI or NSL is one of the areas of banking activity that has not gained wide popularity among the client audience. The number of such offers on the market is small. Features of the products: increased interest rate on the deposit, the possibility of receiving additional income and insurance protection for the depositor.

• New Product

  Post Bank introduced the “Maximum” deposit

  Until the end of June this year, Pochta Bank clients can open a promotional deposit with a yield of up to 7.4% per annum. The maximum rate is provided to pensioners, “salary” and “active” clients of a financial institution, as well as when making a deposit through remote banking channels (mobile and online banking). Deposit “Maximum”

  May 07, 2019

• New Product

  Far Eastern Bank expanded its line of online deposits

  The Far Eastern Bank has added new deposit services, issued online. The maximum rate on the “Millionaire Online” deposit is 5.9% per annum. The rate is provided when placing funds for 12 or 18 months. The minimum amount to be placed within the product is 3 million rubles or 35 thousand dollars/euro.

  April 26, 2019

• Changes in rates

  Far Eastern Bank revised deposit rates

  Rates on deposit programs of the Far Eastern Bank have increased. The maximum yield on the “High Income” deposit is currently 7% per annum. The rate is provided when placing funds in a volume of 1.4 million rubles for 18 months. The minimum amount for placement is 3 thousand rubles. The deposit is allowed to be replenished. Deposit “High”

  05 Apr 2019

• Changes in rates

  Gazprombank increases deposit rates

  Gazprombank is making branded deposits more attractive. For the “Your Success” deposit, the marginal rate of return has increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum placement amount is 300 thousand rubles. The deposit is non-replenishable. Issue

  27 Feb 2019

• New Product

  VTB introduced a new deposit with increased profitability

  VTB Bank has added a new deposit service “Time of Growth”. The maximum return on a promotional deposit is 8% per annum. Income is allowed to be capitalized. Both existing and new clients of the credit and financial structure can apply for a deposit product at bank offices, as well as through remote banking channels.

  14 Feb 2019

• Changes in rates

  Bank "Ring of the Urals" increased rates on deposits of individuals

  Bank "Ring of the Urals" offers retail clients a deposit at a rate of 8.2% per annum. This rate is provided to new clients of a financial structure within the framework of the “Confident Growth” deposit program subject to two conditions being met: free funds must be placed for a period of 271 to 360 days, the depositor must register

  28 Dec 2018

• New Product

  Transcapitalbank offers to open a “Holiday” deposit

  “Festive” is the name of the new deposit of Transcapitalbank. The maximum rate within the tariff plan is 7.75% per annum. To receive the rate, depositors must make a deposit for 420 days. When depositing funds for 210 days, the deposit rate will be 7.5 percentage points. Minimum amount to be placed within the deposit

  April 20, 2018

• New Product

  RGS Bank introduced the “Optimal” deposit

  “Optimal” is the name of the new deposit service of RGS Bank. The deposit is “laddered” – the placement period is divided into 4 periods, for each of which an individual rate is set. Each period is equal to one quarter (90 days). The yield is 8%, 6%, 5.5% and 5% per annum, respectively. Interest is credited to the deposit account

  09 Apr 2018

Knowing how to earn good money is a great art, but even more important is maintaining it and increasing it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Experienced investors know that in order to grow savings, it is necessary to create a portfolio of investments. Money should be placed in different financial institutions under different deposit programs and interest rates, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals?

A large assortment of deposit offers and promotions, differences in interest rates, parameters and terms of placement should not distract from the main task of preserving your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is to assess the profitability, which depends on the annual deposit rate, the capitalization period and the possibility of replenishing the deposit account. Many investors require the freedom to withdraw their funds at a time that suits them.

The purpose of the deposit

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

How to choose the most profitable deposit

To protect citizens' money, a bank deposit insurance program is in place. If the bank loses the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Considering this amount, it is worth making investments in several banks. Choosing the most reliable one will simplify the task of depositing a large amount. The country's population, workers and pensioners have the opportunity to compare bank services and select the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

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

Interest capitalization

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

Deposit amount

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

Deposit currency

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

Possibility of deposit replenishment

Some favorable deposit agreements make it possible to top up your account at any time. There are programs where you can only add funds after a certain period of time. The scheme for replenishing the deposit account is a quarterly table that describes the change in the interest rate. This change looks like a staircase in 0.5-1% increments with the highest in the 1st quarter and the lowest in the last. A ban on replenishment in recent months is common.

Interest withdrawal

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

Where to open a deposit at a high interest rate

And financial reviews will allow you to choose the optimal types of investments. Advantageous bank deposits are presented in the comparative table:

Name	Program
	"Savings account"
Rosselkhozbank	"Investment"
	"Maximum online"
Credit Bank of Moscow	"All inclusive - maximum income online"
Opening	"Additional Bonus"
Promsvyazbank	"My income (online)"
Gazprombank	"Perspective"
Alfa Bank	"Savings" on demand
Sberbank	"Keep ONL@yn"

Which bank is the most profitable for deposits?

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

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Name	Program
	“Your pension” effective rate		From 31 to 744 days
Rocketbank	Early termination rate 0.1% per annum
Sovcombank	“Maximum income” for a period from 90 to 181 days
Crocus Bank	“Urgent-360 (% at the end of the term)”
Confidence	"Golden time!" replenishment 90 days
Orient Express Bank	"VIP deposit" monthly interest
	“Deposit No. 1” with capitalization		Up to 735 days
Baltinvestbank St. Petersburg	"Absolute CHAMPION +"		272-366 days
Master Capital Bank	"Savings"		From 30,000 rub.
Bank Zenith	"Urgent Premium"		From 5 million rub.

Profitable deposits in rubles

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

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

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

Profitable deposits in foreign currency

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

Effective deposit rates for dollars are higher than for euros. The European currency, under the influence of geopolitical problems in Europe, has shown its instability in recent years. The ongoing change in the political elites of the European continent, the new US President, growing tensions between the superpowers, and the prospect of several countries leaving the European Union do not add stability and prospects to the euro for investors.

Deposits in Moscow banks at maximum interest rates

Moscow banks offer the best rates on deposits. BCS, for amounts from 500,000 to 1,000,000, for clients who have entered into DKBO in branches located in Moscow, has launched the “Super Deposit” program for the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will increase your income by 9.15% per annum. Ziraat Bank Moscow in its “Term” deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and extension of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles on the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the “Maximum-Online” program from Dolinsk Bank is from 7.35%. At Center-Invest Bank, the project is “Fixed-term for 1 year with auto-extension” at 8.3% of 15 million rubles. “Our people” at the Trust National Bank will receive 8.85%.

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

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

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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. Moreover, 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.