A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe for a profitable investment of money is different for everyone and depends on the depositor’s attitude to the bank’s reliability, auto-renewal, capitalization and other conditions. The best interest rates on deposits usually involve risks and some inconvenience for the depositor.

This page contains a collection of banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the “Apply” button - you will be redirected to the bank’s website.

"Creditznatok" is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest rate on deposits in Moscow and can now profitably manage your money.

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

• not allowing replenishment and partial withdrawal of funds;
• not allowing withdrawal of income before the end of the contract;
• promotional offers from banks dedicated to memorable dates.

Time deposits at the highest interest rates can also be found among foreign currency products: the interest rate here is lower than that of ruble deposits, but the options are very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

It is easier to find profitable deposits at high interest rates in less popular small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over fast money. Additional advantages are convenient Internet banking, bonus programs, and the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to invest your funds profitably. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail the need to pay a tax of 35% on the difference between the interest.

To find out more, click on the “Apply” button: get all the necessary information and fill out an application on the bank’s website. Look for great deals 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 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.

Are you interested in interest rates on deposits in Moscow banks in the form of a comparative table? Today we will tell you about some great deals that are definitely worth paying attention to in 2019

How to choose the most profitable investment?

It is impossible to answer this question unequivocally, because for different people the concept of profitability will be completely different. Just as we react differently to different events in our lives, the same banking offer can be assessed from absolutely diametrical points of view.

In order to be able to compare deposits, you must first decide what is most important to you. It could be:

• name and reliability of the bank (you can see the most reliable ones),
• the proposed amount of income, i.e. interest rate. It is logical to assume that the higher the percentage, the greater your income will be. However, it is worth considering that the rate is always indicated subject to the money being in the account for 1 year, and if your contract is valid for less than, for example, 9 months, then you will receive a reduced income,
• possibility of withdrawing funds from the account. This is very important if you want to actively manage your account. Otherwise, if you do not have such an option, you will simply lose the accrued interest when withdrawing even 100 rubles.
• the minimum amount is the amount that is needed to open an account, you can deposit more, but not less,
• the procedure for calculating interest - annual, monthly, at the end of the term, etc.,
• special conditions for early withdrawal, etc.

We have prepared for you several mini-reviews with the most attractive options in terms of their conditions. You will be able to choose one or more products that best meet your expectations.

Let's start with the offers with the highest bids:

1. — offers its clients a comprehensive product “Income Strategy with ILI”, which involves the simultaneous opening of a classic deposit + life insurance investment account. Thanks to this, there will be an increased yield of up to 9% per year, they accept from 100 thousand for 300 days. Among the options, we note monthly payments and the possibility of partial withdrawal of funds without losing %;
2. – he sells the product “Record percentage with Halva” up to 8.8%, for registration of which you will need an amount of 50 thousand rubles for 12 months. The profit is paid at the end of the term, to access this offer you must first obtain it at a branch of the Halva Bank;
3. - the most profitable is the “VIP deposit”, which really allows you to accumulate a substantial amount for future goals and expenses. To open it you need at least 1.5 million rubles, the placement period is 31-1095 days. You will be able to receive income at a rate of 6.65% to 8.45%, with the possibility of partial withdrawal and payment at the end of the contract;
4. Home Credit Bank - here they accept small amounts from 1 thousand for 730 days for the seasonal deposit “Two Income Years Plus”, the maximum income will be 8.3%. Interest will be paid at the end of the term, you can deposit additional amounts, we invite you to find out more
5. At Tavrichesky Bank we recommend paying attention to the “Maximum Income+” deposit, where they offer to receive up to 8.3%. To do this, you need to invest at least 50 thousand for 91-548 days, payments will be made at the end of the term. Important: you must have a “Bought and Accumulated” card with an account balance of at least 10,000 rubles.

TOP 20 banks with the highest rates:

Name of the bank	Minimum amount, rubles	Validity	Maximum interest rate
	50.000	6 months	9,2%
	100.000	300 days	9%
	50.000	1 year	8,8%
	1.500.000	2 years	8,45%
	1000	2 years	8,3%
Tauride	50.000	1 year	8,3%
	100.000	3 years	8,3%
International Financial Club	1.500.000	1 year	8,3%
Housing Finance Bank	2.000.000	1 year	8,25%
SMP Bank	100.000	1 year	8,2%
TEMBR-Bank	3.000.000	390 days	8,15%
Inbank	5.000.000	From 1 year	8,15%
Eurofinance Mosnarbank	100.000	From 1 year	8,15%
	5.000	1.5 years	8,10%
BBR Bank	50.000	1.5 years	8,10%
Expobank	100.000	1 year 6 months	8,10%
Prime Finance	30.000	1.5 years	8,10%
Bank Orange	3.000.000	1 year	8,10%
SBI Bank	50.000	367 days	8,08%
Credit Bank of Moscow	1.000	1 year 6 months	8%

If you want to open a deposit with the most reliable, namely, state-owned companies, then the following options are suitable for you:

• Gazprombank - offers to open a deposit “At the top (with NSZh)” with a minimum amount of 50 thousand rubles and a yield of up to 9.2%. The investment period is from 181 or 367 days, interest is paid at the end of the period. A prerequisite is to take out a life insurance policy. You can find out more in this article;
• VTB Bank - here you can open a “Time of Growth” deposit at a bank branch and remotely through Telebank. The basic rate is up to 7.7%, if you have a Multicard with the “Savings” option – up to 9.2%. It is necessary to deposit at least 30 thousand for 180 or 380 days, payments are made monthly or at the end of the term with capitalization, we invite you to find out more at this link;
• Rosselkhozbank – here you can apply for the “Investment” program with a maximum yield of up to 8.55% per annum. To do this, you will need to invest an amount of 50,000 rubles for 180 or 395 days, you will find the details;
• Sberbank of Russia offers the “Catch a Profit” product in the amount of 50,000 rubles. and valid from 5 to 18 months. Profitability - from 7.1% to 7.65% with payment at the end of the contract. All bank programs are described in this review.

If you are interested in deposits in foreign currency, we offer the following products:

1. Rosselkhozbank issues a deposit “Your income (at the end of the term)” when depositing from $20,000 for 91-1095 days. The maximum rate is up to 4.55% per annum, and you can choose preferential early termination of the contract;
2. Vostochny Bank - here it is profitable to invest an amount from 26,000 US dollars for a period of 31-1097 days for a “VIP deposit”. You will receive an income of up to 4.10% per year with payment at the end of the term, partial withdrawal is allowed;
3. Uralsib Bank offers the “Right Solution” product with a yield of up to 4%. In this case, you need to deposit at least 2.5 thousand dollars for 181 or 367 days, interest payments at the end of the term, you can terminate the contract early on preferential terms;
4. BBR Bank accepts amounts from €50,000 for the “Accumulative-VIP” program, period – 91-730 days, yield from 1% to 2% per annum with the possibility of replenishment and preferential early termination of the contract. Payments are monthly with capitalization;
5. — here they offer to open a “Accumulative” deposit with the possibility of partial withdrawal of funds. You need to invest at least 300 euros for 390 days, the interest is up to 1%, you can deposit additional amounts. They pay income monthly, there is capitalization.

If you belong to the category of pensioners, then many organizations will have special offers for you that can only be obtained upon presentation of a pension certificate. Where to contact:

• Bank Solidarnost - offers yields of up to 8.10% per annum,
• Moscow Credit Bank and - up to 8%,
• Interprombank - up to 7.8%,
• Bank Ivanovo - up to 7.75%,
• Rusnarbank - up to 7.65%,
• Interprogressbank, Gazprombank - up to 7.5%,
• NS Bank - up to 7.45%,
• MTS Bank, National Standard Bank - up to 7.3%,
• Bank Acceptance, Soyuz, Kranbank - up to 7.25%,
• Kuban Credit - up to 7.15%.

In order to find out in advance the amount of your income, use the online calculator completely free of charge.

A bank deposit allows you to reliably save and slightly increase your savings. However, against the backdrop of a massive decline in deposit returns, reliable banks with high interest rates on deposits have become a rarity. For example, the change in rates on Sberbank deposits in 2017 led to the fact that the return on the deposit does not even compensate for inflation.

The current insurance rates of the DIA and the key rate of the Central Bank of the Russian Federation do not allow banks to provide profitable deposits in rubles in 2017. The highest interest rate on deposits in 2017 does not exceed 10%.

In this material we will look at the maximum rates of banks on deposits in 2017 with the conditions established by the banks.

How to make deposits with maximum interest in 2017?

• To get a more or less decent income, you need to invest a large amount. The upper threshold in the tariff schedule for a bank deposit starts from 1.4-1.5 million rubles.
• Choose the right deposit term: contrary to the opinion “the longer, the higher the rate,” banks increasingly value short-term deposits for 6-12 months.
• Study the allowances: for remote registration, repeated application, having a pension certificate or salary card, you can receive a plus of 0.2-0.5% per annum.
• Capitalization: will bring you increased income by charging interest on accrued income.
• The highest interest rates on deposits in 2017 are offered on deposits WITHOUT the possibility of replenishment and partial withdrawal.
• If you find an unfamiliar bank with the highest interest rate on deposits, check its ratings and liquidity indicators: it is possible that the organization is on the verge of liquidation, hitting the last jackpot on deposits.
• Pay attention to seasonal and holiday offers - they are often more profitable.

The most profitable bank deposits - 2017

JSC "Credit Europe Bank", deposit "Term"

In the winter-spring of 2017, investing money in CreditEurope Bank became profitable: the deposit brings from 8% to 9.7% per annum. The minimum deposit amount is not large - 3,000 rubles. Not replenished, without partial withdrawal.

Otkritie Bank, Welcome Interest deposit

A deposit in the amount of 50,000 rubles or more in Otkritie Bank can be issued at an above-average rate. Deposits and partial withdrawals are not provided.

LOCKO Bank, Ice Age deposit

A deposit with a gradually increasing interest rate at the end of the term will bring you a yield of 11%. Replenishment is possible from 1000 rubles.

Renaissance Bank. Deposit "Special"

Will bring you up to 9.75% per annum with an investment amount of 100,000 rubles. Deposit without the ability to replenish and make debit transactions.

Russian Standard Bank, “Maximum Income” deposit

Amounts from 30,000 rubles can be profitably invested in Russian Standard Bank. Deposits and partial withdrawals are prohibited. Maximum profitability is for a period of 360 days.

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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