When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP 50 credit institutions in the country were used in order to exclude offers from companies that may be in an unstable financial situation.

Standard deposits

Standard deposits mean deposits for a certain period of time that do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:

Deposits with additional features

Even the highest percentage on deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. The banking product is appropriately named “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The amount of additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank - 7.75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust - 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding the minimum deposit size - 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers a special program for people of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the contract. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. When making a partial withdrawal, the initial amount must remain in the account.

Opening a deposit

When the most difficult process is over - the investor has determined where the deposit with interest is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply huge. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a return slightly below average, because they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various investment options.

Which bank should you prefer?

Naturally, you shouldn’t go to the first bank you come across that offers a sufficient interest rate. It should be analyzed according to at least several parameters:

• founders and partners - it may well turn out that “at the helm” there are people who are unlikely to be trusted;
• financial condition of the bank - it can be traced from reports published on the Central Bank website, paying special attention to the ratio of assets and liabilities, profit received during the reporting period and the size of the authorized capital (the more, the better);
• position in international and national ratings, including “national” ones (on the websites banki.ru or sravni.ru);
• availability of insurance - if deposits are insured by the DIA, then if the bank’s license is revoked, nothing will threaten the clients’ funds.

You shouldn’t just look for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you create the right investment strategy:

• deposit term;
• is early withdrawal possible and under what conditions;
• interest payment procedure;
• presence or absence of capitalization;
• possibility of replenishment;
• does the interest increase as the amount of savings increases, etc.

The highest rates on deposits in Moscow banks today: first 20

Among the many banks in the capital, the 100 largest were selected, and the 20 most profitable were selected from the deposits they offered. Other selection criteria:

• currency - ruble;
• minimum amount – 100,000;
• period – at least 1 year.

These parameters helped us select the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

Bank's name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
Tauride	Festive	12.3	50000	Monthly, capitalization	Yes	No
Novikombank	Favorite	12.25	10000	At the end of the term	No	No
International Bank of St. Petersburg	Capital	12.2	50000	At the end of the term	No	No
Promsvyazbank	Premium	12	3	At the end of the term	Yes	Yes
Vanguard	Passbook	12	100000	At the end of the term	No	No
BFG-Credit	Loyal	11.75	100000	At the end of the term	Yes	No
BFA Bank	Contribution #1	11.25	30000	Monthly, capitalization / withdrawal to account	No	No
Peresvet	Rational	11.2	30000	At the end of the term	Yes	Yes
Transcapitalbank	Time to grow. Spring	11.16	20000	Quarterly	No	No
Globex	Accurate calculation online	11.15	100000	At the end of the term	No	No
Trust	Our people	11.1	30000	At the end of the term	No	No
Investtorgbank	Fabulous percentage	11.07	50000	Quarterly	No	No
Credit Bank of Moscow	All inclusive Online	11	1000	At the end of the term	No	No
Credit Europe Bank	Urgent	11	3000	At the end of the term	No	No
MetallinvetBank	Maximum income	11	10000	At the end of the term	No	No
Uniastrum Bank	Big percentage	11	20 000	At the end of the term	No	Yes, within the minimum
Finprombank	My conditions	11	30000	Monthly, capitalization	Yes	No
Military Industrial Bank	Spring story	11 (growing)	50000	At the end of the term	Yes	No
Center-Invest	Grow big	11	50000	Annual capitalization	Yes	No
Education	Base	11	100000	At the end of the term	No	No

TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate

Due to the depreciation of the ruble, many clients have become interested in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but exotic currencies are also gaining popularity - pounds, francs, yen, Australian dollars, and recently the yuan and the “Canadian” are gaining popularity. However, the most popular is still the US dollar.

• currency - dollar;
• amount – from 1,000;
• period – at least 1 year;
• The bank is one of the 200 largest.

It should be noted that some foreign currency deposits in Moscow banks at the maximum interest rate in the TOP-50 are part of a multi-currency deposit, which will be marked accordingly if this is not clear from the name of the deposit. With such deposits, it will not be possible to invest only in dollars; you will need to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Bank's name	Name of contribution	Bid	Minimum amount	Interest calculation procedure	Replenishment	Removal
Tauride	Urgent	3.8	1000	Monthly, capitalization	Yes	No
Globex	Accurate calculation online	3.35	200	At the end of the term	No	No
Binbank	Standard	3.2	100	Monthly	No	No
Ugra	25 years of reliability	3.1	500	Monthly	Yes	Yes
Promsvyazbank	Premium	3	3	At the end of the term	Yes	Yes
Globex	Rentier online (multi)	3	300	Monthly	Yes	Yes
Novikombank	Favorite	3	300	At the end of the term	No	No
BFA Bank	Contribution #1	3	500	Monthly, capitalization	No	No
Binbank	Maximum percentage	2.9	300	At the end of the term	No	No
Trust	Our people	2.9	500	At the end of the term	No	No
Trust	Generous interest	2.9	500	At the end of the term	No	No
Tauride	Multicurrency	2.8	710	At the end of the term	Yes	No
Finprombank	My conditions	2.8	1000	Monthly, capitalization	Yes	No
Ugra	Multi-currency basket	2.8	1000	At the end of the term	Yes	No
Credit Europe Bank	Urgent	2.75	100	At the end of the term	No	No
Loko-bank	Spring in the black (multi, dollar+euro)	2.75	300	At the end of the term	No	No
Globex	Bonus online	2.7 (growing)	200	At the end of the term	Yes	Yes
MDM Bank	Maximum percentage	2.7 (growing)	300	At the end of the term	No	No
Binbank	Monthly income	2.65 (growing)	300	Monthly, payment to account	Yes	No
Trust	Multicurrency 2016	2.65	500	At the end of the term	Yes	No
Ugra	Growing income	2.63	1000	At the end of the term	Yes	No
SMP Bank	Maxima	2.6 (growing)	50	Monthly, capitalization	Yes	No
Investtorgbank	Optimal	2.6	100	At the end of the term	Yes	No
Promsvyazbank	My benefit	2.6 (growing)	300	At the end of the term	No	No
Military Industrial Bank	Spring story	2.6 (growing)	1000	At the end of the term	Yes	No
Finprombank	Practical	2.6	1000	At the end of the term	Yes	Yes
Peresvet	Knight	2.6	1000	Monthly	Yes	Yes
All-Russian Regional Development Bank	Smart money	2.5	1	At the end of the term	Yes	No
Raiffeisenbank	Triple benefit (multiple)	2.5	1	At the end of the term, annual capitalization	No	No
Home Credit Bank	Profitable year	2.5	100	Monthly, capitalization	Yes	No
OTP Bank	Cumulative	2.5	300	At the end of the term	Yes	No
Ural Bank for Reconstruction and Development	Cumulative	2.5	300	Daily	Yes	No
BFA Bank	Saving strategy	2.5	500	Monthly	Yes	No
Metallinvestbank	Maximum income	2.5	1000	At the end of the term	No	No
Trust	Pension income	2.45	100	At the end of the term	Yes	Yes
Saint Petersburg	Online deposit	2.4	100	At the end of the term	No	No
Education	Base	2.4	200	At the end of the term	No	No
Binbank	Multicurrency	2.4	410	At the end of the term	Yes	No
Bank Finservice	Comfortable	2.35	1	Monthly, capitalization	Yes	No
Credit Europe Bank	Cumulative	2.35	100	At the end of the term	Yes	Yes
Rosselkhozbank	Classic online	2.35	100	At the end of the term	No	No
MDM Bank	MDM – The Magnificent Seven	2.35	1000	At the end of the term, capitalization daily	Yes	Yes
Military Industrial Bank	Comfortable	2.3 (growing)	100	At the end of the term	Yes	Yes
BFG-Credit	Classical	2.3	300	At the end of the term	Yes	No
Absolut Bank	Absolute maximum +	2.3	1000	At the end of the term	No	No
Orient Express Bank	Oriental	2.25	500	Monthly, capitalization	No	No
Renaissance Credit	Renaissance Profitable	2.25	500	At the end of the term	No	No
Tinkoff Bank	SmartVklad	2.25	1000	Monthly capitalization	Yes	Yes
Moscow Industrial Bank	Classical	2.25	1000	At the end of the term	No	No
Education	Maximalist	2.2	100	Monthly, capitalization	Yes	No

It is formed based on the total volume of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking you will be able to choose the right one. Based on the information provided, you will be able to select the best offers in terms of profitability and interest rates.

Features of the formation of the rating of Russian banks by deposits

Russia by deposits is formed according to the Central Bank of the Russian Federation. The analysis also takes place based on other indicators:

• Positions in the ranking compiled by independent agencies.
• Opinions of clients who have already made transactions with this bank.
• Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the institution’s own capital. The more funds, the less likely it is that it will be declared insolvent.

Rating of banks in Russia by retail deposits in 2020

In 2020, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more trust there is in this financial organization. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top best banks may change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks today is based on reports provided by financial organizations. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider the ranking by interest rates, the list may be different. When choosing, pay attention to the rating based on the total cost of deposits. It includes additional payments, bonuses and other gifts for investors.

What deposit should you open in a bank? What steps do you need to take to open online? You will find the answer to this question in the “Deposits” section on the Banki.ru portal. in rubles and foreign currency, changes in interest rates, insurance - this is the information necessary for every client - an individual. After all, in order to get the desired income, you need to choose the right deposit.

On our website, betting data is updated daily. You can obtain and compare current information about the types of bank deposits: multicurrency, investment, etc.

No less important for many consumers is the procedure for payment of income by the bank: some are interested in deposits with monthly interest payments, while others are interested in receiving everything at once at the end of the term. Opening conditions may vary from bank to bank. After carefully studying all the current offers for individuals, you can easily decide which bank to open.

You will also learn about what the very concept of a bank deposit is, what clauses are especially important in the contract, how the insurance system works, how to receive compensation if the license of a credit institution is revoked, and how to choose the best, most profitable time deposit with a high interest rate. Now the most popular among the population are deposits in, rather than deposits in and. At the same time, a certain part of citizens prefer to choose a multi-currency deposit and insure against losses in case of sudden changes in exchange rates. All offers displayed on this page are the best or most profitable only in the opinion of Banki.ru experts.

How to choose a profitable investment?

Pay attention to the parameters:

• Interest capitalization – whether the deposit amount includes the amount of interest accrued for the previous month.
• Replenishment – ​​whether it is possible to deposit additional amounts into the account.
• Interest is paid at the end of the term or every month.

What is the best deposit rate as of March 29, 2020?

The most favorable rate is 8.7% per annum.

How many offers are valid today?

The site presents deposits from 322 of the largest banks in Russia.

The retail giant traditionally leads the market. However, many credit institutions have “under” offers, and you will be able to choose the bank that best suits your needs. The data on our website is a guarantee that you will always be aware of the latest changes, will be able to compare bank offers and place your money savings with maximum benefit by choosing exactly the deposit that you really need.

Users of the Banki.ru portal from different regions of Russia can select profitable deposits and send them for opening under special conditions. View ratings of offers from Banki.ru experts

A deposit or so-called “deposit” is money that a client places in a bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow, the best interest rates on ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals in Moscow differ in terms, currency and rate; there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

In 2020, both small and larger reliable Moscow banks offer several additional opportunities for time deposits and deposits with maximum and low interest rates for individuals:

• partial withdrawal and replenishment funds in the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
• capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is accrued not only on the amount of the initial deposit, but also on the added interest;
• automatic renewal- automatic extension of the contract if the depositor does not withdraw the deposit upon expiration.

To make the best deposit in rubles or foreign currency at a favorable rate in a Moscow bank, consider these three points.

Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most favorable interest rate deposits in Moscow banks today are offered in Russian rubles.

Investing money in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although rates on foreign currency deposits have decreased significantly due to exchange rate instability, you can receive income when the exchange rate against the ruble rises. This is how you can get the best income from your deposit in 2020.

Most banks in Russia offer foreign currency deposits in dollars and euros; deposits in other currencies are rare. You can compare currency quotes on our website in the Exchange Rates section. However, there are few offers of deposits at good interest rates in these currencies, since the demand for them is low.

What contribution should a pensioner, student or middle-aged person choose? The “Deposit Selection” form will help you choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

In 2020, today, among deposits in banks in Moscow, the most profitable high interest rate in rubles is the Deposit Confident Choice Tavrichesky Bank in the bank Tavrichesky Bank (PJSC) - 8.20% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit in Moscow with the maximum rate in rubles.