The most profitable deposits: overview, conditions, interest and reviews

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

Modern banks offer many different deposit programs. Each of them has its own conditions, therefore, the interest on them will be different. But in every financial institution there are profitable deposits suitable for making high profits. There are several factors to consider when choosing a reliable organization.

Bank selection

The most profitable deposits should be made in a reliable bank. To date, such financial institutions as Sberbank and VTB24 are popular. Many believe that bankruptcy will not affect these organizations, and therefore boldly carry their funds at a not very favorable percentage. But a reliable bank is one that takes part in the state deposit insurance system.

Even if a financial institution goes bankrupt or loses its license, savers will still get their savings. The maximum insurance payout is 1,400,000 rubles. Therefore, it is best to divide the amount and invest it in several banks. Customer reviews indicate that it is necessary to invest only after a thorough check of the financial institution. Only then you can not worry about the safety of your savings.

Choose a bet

Income deposits have a corresponding rate. But a high percentage does not mean profitable. It all depends on the size of the amount and the rate that is charged. It should be borne in mind that the amount of interest also depends on the duration of storage of the amount. Typically, large financial institutions set a low rate on deposits, and small organizations attract customers with high percentages. But you need to carefully choose the institution, as some banks do not participate in the insurance system. You need to choose medium-sized organizations whose rate is in the range of 14-18%. Interest can be floating or fixed. The first changes downwards and may increase throughout the deposit.

Interest capitalization

There are 2 options for calculating the rate:

• at the end of the entire period;
• at a specific time, such as every month.

The last method is also called capitalization. It can be performed every month, as well as once a quarter, a year. These are the most profitable deposits, as the amount on which interest is charged increases. If capitalization occurs frequently, then it is more profitable for clients. The reviews show that this option is chosen by most people.

Deposits with deposits and withdrawals

Income deposits are:

• urgent;
• on demand.

The last option is considered more convenient. The client canalways ask for your money. But for such a service a small percentage is charged. In practice, it can be seen that the yield is determined by the amount of the deposit and the placement period. It is best to open a deposit for a long period.

Term deposits are savings and savings. You can put money on the second type, but not on the first. If a term deposit is opened, after which the client wants to withdraw it, then there is a possibility of losing interest or the entire amount. The feedback shows that both of these contributions are in demand.

Select currency

The client needs to decide on the currency. Low rates are offered for foreign currency deposits, so many clients use ruble programs. The best choice would be a predictable currency with little inflation. Experts believe that it is desirable to divide the deposit into several currencies. Some organizations make multi-currency deposits.

Profitable deposits are also made in precious metals. Platinum, palladium, silver and gold are often used. This is an excellent choice if you place a deposit for a long period, because the prices for materials are only rising. Before concluding a deal, you need to read the contract. Banks charge a small percentage for conversion operations, this will be known from the contract.

Sberbank

You can choose Sberbank for investment. The income contribution has the name "Save Online". The rate on it is 6-7.7%. To open a deposit, an investment of at least 2,000,000 rubles is required. For example, you can make a deal for a year with a rate of 7.3%. When will it passthis period, the account will have 2,150,745 rubles. This result is obtained with the capitalization of interest. If desired, interest can be withdrawn every month.

These are the most profitable deposits in banks, as the client receives a stable profit. If you make a transaction in a foreign currency, the result will differ from the ruble deposit. It is necessary to replenish the account with at least $ 100,000, and in three years the income will be $ 7,000. Thanks to the advantages of the bank, many customers speak positively about it.

Home Credit Bank

Get the greatest profit will allow profitable contribution. "Home Credit" offers to use the "Profitable Year" program. Only it does not provide the opportunity to dispose of money without losing interest. Partial withdrawals are not allowed. If you still withdraw funds before the end of the contract, the bank will charge 0.1% per annum. A client can invest from 1,000 rubles, and the maximum amount is not limited. The rate is 7.75%. The interest is capitalized and it does not change during the entire term. Many customers have already appreciated the benefits of the program, as the reviews about it are only positive.

VTB24 Bank

The most profitable deposits in rubles include the VTB24 bank program. On it, you can invest free funds for a specific period at interest. Replenishment and consumption throughout the entire period is not required.

Interest is calculated every month. Capitalization is made and the funds are paid to a separatecheck. Early termination of the contract is possible only after 181 days. 7.02% is charged on the “Favorable” deposit.

Gazprombank

The organization offers to make a "Promising" deposit, for which the rate is 8%. If you issue in dollars, then the benefit will be equal to 1.2%, and in euros - 0.1%. You can invest for 3 years and 1 day. The minimum is 15,000 rubles. Attachments need to be done only once, at the time of opening. Partial withdrawals are not allowed. Income with interest is paid after the expiration of the contract. The percentage may vary depending on the amount and term. The rate of 8% is used if the deposit is opened in the amount of 1,000,000 rubles for 181 days.

Rosselkhozbank

This bank offers several programs, and one of them is Interest Upfront. A deposit is opened for 395 or 548 days. The minimum you can invest is 3,000 rubles, and the maximum is unlimited. Interest is calculated the next day on the entire amount. Funds are being transferred to a card opened with Rosselkhozbank.

It is impossible to replenish the deposit. If you open it for 395 days, then the rate will be equal to 7.2%, and for 548 - 7.4%. For amounts over 50,000 rubles, the Amur Tiger card is provided free of charge with a yield of 7% per annum. Each profitable deposit has its own design features and conditions. Before opening it, you need to familiarize yourself with the offers of several banks, and then choose the right one.