The best deposit in the best bank in Moscow

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The best deposit in the best bank: which financial institution to choose in order to earn faster on its programs? After all, the future is invested with money. There are so many types of investments that it is impossible to cover them all in one article. We will focus on such a banking product as deposits.

Parameters of the best conditions for capital growth

For a long time, citizens perceived deposits as one of the methods of saving money. But not everyone perceives them as a way to increase their own capital. It should be noted that not all deposits are profitable. In order for deposits to actually bring income, you need to find a profitable offer. So, we study and choose the best deposits in Moscow banks.

1. The profitability of a bank deposit will depend on the initial amount of the deposit. More amount - more profitability.
2. You can reach the optimal interest rate by choosing a long term deposit. But under such conditions, as a rule, there is no possibility of replenishment of funds.
3. Term deposits have a higher interest rate than Demand deposits. For example, in one of the Moscow banks, the deposit “Dodemand” has an annual rate of 0.01%, and the “Opening” term deposit has an annual rate of 11%.
4. If two deposits have the same interest rate, the one on which interest is accrued through capitalization, that is, monthly, is added to the initial deposit, and in the next month interest is accrued on this increased aggregate.
5. The best deposits in banks - with the possibility of replenishment under the terms of the contract.

You can always find good conditions for putting money in a financial institution, based on the above parameters.

So, we present the best banks for deposits of individuals. What do they offer us?

Tinkoff Bank - a modern take on standard banking services

Many financial analysts position the Tinkoff Bank product (or as it is also called Tinkoff Credit Systems) as the most interesting and in demand. The bank is unique because it does not have its own ATMs, numerous offices (there is one Moscow office with paid services), it operates and offers services exclusively via the Internet. However, this did not prevent Tinkoff Bank from taking a leading position in the financial sector: 2nd place in the credit card market, 25th in Moscow in terms of individual deposits, and 20th in terms of net profitability. What "pluses" does Tinkoff Bank offer us?

• Would you like to arrange the best deposit in the best bank? You will be given a free Visa or Master Card debit card of the client's choice.
• Debit bankyou can get a card with monthly interest accruals for free even without opening a deposit, just leave a request on the website, and a bank employee, by prior arrangement, will bring the card to the specified address.
• Tinkoff Bank does not have its own ATMs, which is more of an advantage than a disadvantage: funds - from 3 thousand rubles or from 100 dollars or euros can be withdrawn at any bank and ATM without charging a commission.

Bank Russian Standard - the highest percentage in a stable bank

The bank is stable and reliable, has 170 branches. At the beginning of 2016, Russian Standard took 15th place in the Russian rating for deposits of individuals.

The best deposit in banks is "Profitable MIX". The offer is truly unique:

• 14% per annum when concluding an agreement at bank branches;
• 14, 5% if you open a deposit in the Internet bank;
• payment is quarterly, funds are transferred to a separate account;
• rising interest rate;
• deposits open for 1 year;
• no replenishment or partial withdrawal;
• minimum deposit amount - 30,000 rubles.

Convertible deposit from Yugra Bank

The bank was opened in 1990. For 25 years, he has been offering clients a profitable financial product for savings. In January 2016, Yugra was included in the Russian TOP-20 in terms of deposits for individuals. It has a large branch network. Bank representative offices are located in 50 citiesRussia, the head office is located in Megion in the Tyumen region.

The best deposit in the best bank "Ugra" - "Multi-currency basket".

This banking product is designed for an active category of citizens who track exchange rates and want to change the deposit according to the contract (the so-called conversion) during throughout its duration. The bank carries out the conversion at its own rate. The deposit is opened for various terms. The minimum amount is 10,000 rubles. rub., 150 dollars. USA, 150 euros. There is no early withdrawal. Interest is calculated at the very end. Maximum rate:

• 10% for ruble deposits;
• 3, 3% for dollar deposits
• 2, 6% - Euro.

Rosgosstrakh Bank - bank deposit plus life insurance

Founded in 1994. A large bank that sells universal services. In 2016, it entered the TOP-50 of the best Russian banks in terms of the retail vector, is in 44th place in terms of lending, and 45th in terms of deposits of individuals. It has a large branch network in more than 150 locations throughout Russia.

In 1st place in terms of popularity in the "RGS" is the "Insurance" deposit, which is concluded only when insuring the life and he alth of the client.

• Issued for 1 year with a minimum amount of 100,000 rubles. rub.
• The rate is 11.75% for life insurance for 5 years, 11.50% for 3 years.
• No deposits or partial withdrawals.
• For this contributionthere is no prolongation in automatic mode.
• When applying, it is possible to draw up a will or power of attorney for free.

Alfa-Bank is the second largest private bank

Offers its depositors 7 optimal deposits, each of which has some advantages. In the first place, the best deposit in the best bank is Pobeda.

• With a minimum deposit of 10 thousand rubles, 500 US dollars or 500 euros.
• For a period of 3 months to 3 years.
• Maximum rate - 11.27% in rubles, with a deposit of 3 million rubles. and a capitalization period of 3 years.
• With a deposit of 250 thousand rubles. the rate for the same period will be 10.55%.
• In US dollars, the maximum rate will be 3.14% for 3 years.
• Euro rate - 2, 59%, with a deposit. for 3 years.

Bank deposit is a guarantee of stability

We have considered only a few financial institutions with optimal deposit offers.

For many citizens, it is deposits in banks that provide stability and prosperity. The best interest, preferential conditions or a slow growth of a deposit in a stable institution with a high rating - everyone chooses the conditions to their liking. And there are plenty to choose from. Every year banks develop more and more interesting offers.

When choosing the appropriate characteristics for a deposit, you need to remember about separate bank rates for users and regular clients. If you arethe owner of a salary card, you can count on a bonus in the form of an increased rate or optimal basic services.