Which bank is more profitable to open a deposit: interest rates, conditions

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

When a person accumulates a certain amount of money, he thinks that it is more practical to keep it away from home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide on the bank. Well, it's worth briefly talking about the services of the most popular financial institutions in Russia.

Sberbank

Many people decide to open a deposit in the most reliable and trusted organization. In any case, Sberbank is considered to be such. Here, potential customers are waiting for several profitable offers. You can make an anniversary contribution called "The Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. As a gift to the client there is an insurance program.

There is also a "Save" contribution. It can be opened for a minimum of a month and a maximum of 3 years. Annual rate – up to 6.49%.

There are still deposits"Replenish", "Manage", "Give life", "Multi-currency", "International" and "Savings". It is worth talking about the latter in more detail, since it is the most popular, since it is perpetual, and also replenishable, with unlimited withdrawals and any minimum amount. The rate can vary from 1.5 to 2.3%.

Let's say a person decided to open a deposit in Sberbank for a year and immediately deposited a million rubles into the account. Every month he replenishes it with another 20,000 rubles. As a result, for the year he will accumulate 1,262,200 rubles, of which 22,209 is net income. True, with the same "Replenish" you will earn more. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.

VTB-24

Many people decide to open a deposit in this bank. There are plenty of offers too. But the best is Profitable with a maximum rate of 8.55%. With an initial contribution of 1,000,000 rubles, the income will be slightly less than 80,000 rubles. By the way, interest can either be left on the deposit account or transferred to the card. It's as the client wants. Another good thing about VTB-24 is that it provides automatic extension of the deposit and preferential terms for early termination.

But "Favorable" is bad because the account cannot be replenished. Therefore, it is convenient for people with a solid income who can open a deposit for a large amount. But “Comfortable” and “Cumulative” are replenished tariffs. If you report 20 thousand rubles a month, then at the end the profit will be 62 and 78 thousand rubles, respectively.

Rosselkhozbank

This is another popular financial institution. Many decide to open a deposit in rubles here. One of the most popular offers is the Classic tariff. The minimum deposit amount is 3,000 rubles. It is not replenishable, but the maximum rate is 8.55%. By the way, you can open a deposit for a period of 31 to 1460 days. If you make a deposit for the maximum period and deposit an amount of one million rubles, then the total profit will be slightly less than 335,000 rubles. But this is too long for many. However, even if you make a deposit for 395 days, then in the end the profit will be 86,000.

The Amur Tiger tariff with a maximum rate of up to 8.1% is also popular. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid every month and at the end of the term is credited to the debit card issued to the client after the deposit was made. It can be used to pay for utilities, mobile communications, purchases in online stores. And a person, making transactions with this card, helps to protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Preservation of These Rare Animals.

OTP

It is impossible not to pay attention to this organization, talking about which bank to open a deposit in the most profitable way. OTP has several suggestions. The "Maximum" tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30,000 rubles, replenishment and withdrawal is not possible. The tariff "Cumulative" interestaccount for 7.6%, "Pensionny" - 7.4%, and "Flexible" - 6.7%. There is also a savings account with a rate of 6.5%.

Well, let's take potential profit as an example. If a person has invested a million rubles and every month replenished the account by 20,000, then at the end of the year he will have 73,200 rubles on Accumulative. This is net income. In the case of the "Pension" the amount will be about 83,000. And according to the "Flexible" tariff at the end of the term, it will be possible to gain 74 thousand rubles. "Maximum" is suitable for people with a large income, since replenishment is not provided in its case.

Gazprombank

A certain part of Russians decides to open a deposit at interest in this very organization. Gazprombank has five offers. All of them relate to basic deposits. The first option is “Promising” with a maximum rate of 8.2%. The term can be from three months to 3 years. No top up.

There is also "Cumulative". The rate is less than 8%, but you can replenish your account, as in the case of the "Dynamic" tariff, the maximum rate of which is 7.9%, but partial withdrawal is still available. There is also a Rentier tariff (6.7%).

The most common option is "Cumulative". Having invested a million, at the end of the year it will turn out to bail out about 74,000 rubles. But if you use the "Promising" tariff, opening a deposit for three years, then in the end you will be able to earn about 210,000 on interest.

Alfa-Bank

Lastly let's say a couplewords about this organization. Someone decides to open a deposit in Sberbank, while others are more impressed by Alfa.

The first offer is the A+ fare. The rate will be 7.3%. Having invested a million, at the end of the year it will turn out to bail out about 75,000. A similar tariff is called "Victory". Only in this case, the rate is 7.87%, and the total profit, respectively, is about 79 thousand rubles. The deposit, by the way, can be opened for a period of three months to 750 days.

Also there is a Life Line tariff. The bank transfers part of the income received from clients to the fund of the same name, which forms a culture of charity in society and financially helps children with serious illnesses. In addition to the above, clients are offered Potential, Premium and Premier deposits.

In general, as you can see, all banks have quite favorable conditions. In any case, a person will receive a profit, and how large it will be depends on the amount of his contribution and the chosen tariff. Before you go to a particular financial institution, it is better to familiarize yourself with all the popular offers and calculate the possible income from interest.