Are you planning to open a deposit in rubles? We have compiled a list of banks offering the highest interest rates for ruble deposits – from 8% per annum. All these deposits are protected by the state in the amount of up to 1.4 million rubles.

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So, the most profitable deposits in rubles (information valid as of July 2019):

Please note that actual rates on deposits without capitalization may be higher than on deposits with capitalization. To calculate, use a calculator.

All the banks listed above are participants in the Deposit Insurance System. From December 2014 size insurance compensation, guaranteed by the state to each depositor, is 1.4 million rubles, including interest on the date of license revocation. Currency deposits are reimbursed at the Central Bank exchange rate on the date of revocation of the bank’s license.

A bank ruble deposit is funds temporarily placed in a bank for the purpose of generating income. To make an investment as profitable as possible, you need to find favorable rates on deposits in Russian rubles: the higher the rate, the more income. High percent offered at time deposits, when the period is predetermined (six months, a year or more), but early withdrawal leads to the loss of most of the dividends.

It is also necessary to pay attention to the presence of interest capitalization. Good income comes from investments in which interest is paid only after the end of the contract, and replenishment or partial withdrawal funds are also not allowed.

To get maximum profit, pay attention to seasonal bank promotions and online deposits, which offer very tempting interest rates. Promotional offers are usually timed to coincide with special events or memorable dates. How to find the best ruble deposits with favorable interest rates? “Creditznatok” has collected all the offers in Moscow on its pages - choose the most profitable option and get acquainted with the detailed conditions.

The table on the website presents the following data, according to which you can select ruble deposits at a high interest rate:

• Name;
• minimum deposit;
• interest rate;
• term.

Features of deposits in rubles

When choosing a bank, you should choose not only high stakes on deposits in rubles, but also pay attention to other indicators:

• bank reliability - as a rule, the lower the risks, the lower the dividends;
• capitalization of interest - monthly accrual of income and subsequent accrual of dividends for the updated amount;
• auto-renewal - automatic extension of the contract in case the investor does not withdraw funds at the end of the contract;
• replenishment or partial withdrawal of money throughout the entire period without terminating the agreement with the bank.

To pick up best contribution in rubles with a suitable interest rate, you need to be able to balance between these indicators. Often you have to give up capitalization and the possibility of replenishment/partial withdrawal of funds for the sake of high dividends.

How to apply?

“Creditznatok” allows its clients to select a profitable deposit in rubles in Moscow as quickly as possible, assessing the main indicators at lightning speed. After you select the best option, click on the “Apply” button, read the detailed conditions offered Russian bank, and fill out an application. A bank specialist will call you back and clarify all the details of the agreement. Search profitable offer together with "Creditznatok"!

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 market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You simply find a suitable offer and sign the contract. However, in most organizations there are no restrictions on minimum contributions, and if there are any, they are small.

The contract itself is very important, so you need to familiarize yourself with the text in person before signing it. To do this, ask the bank employees to provide a sample in printed or in electronic format and read all points carefully, 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 stable income, this is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. 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. Wherein this type The deposit is divided into savings and accumulative, which is provided 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.

The life of business and simply active people is filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.

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