The highest deposits: a list of banks, interest rates and the best offers

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

Even in the current difficult situation in the economy, there is an opportunity to invest money so that you can earn extra money. One of these ways is to arrange profitable deposits for ordinary citizens. But which bank has the highest deposit? Based on an analysis of the proposals of the country's largest financial institutions at the beginning of 2019, a review of deposits in rubles was compiled, which differ in favorable interest rates. Consider them further.

Deposits of individuals as a traditional way of investing money

There are quite a few options for investing finances in order to receive passive income at the same time. You can buy a currency and wait until it grows in value or earn money on Forex, invest in PAMM accounts, try to make a profit by trading binary options, and so on. All of the above methods of earning carry a fairly high profit, but at the same time they are associated with certain risks. Bank investments today are, although not the mosthigh deposits, but remain the most reliable. And at the same time, traditional ways of investing finances in our country.

What do they pay attention to when choosing a profitable deposit?

When choosing a financial institution to entrust money, depositors usually pay attention to at least two of the following parameters:

1. Interest rates, which makes it possible to choose a deposit with maximum profit.
2. Reliability of a banking institution, which allows you not to worry about the safety of your savings even during a crisis.

It can be difficult to combine high interest rates with the necessary security.

Main types of deposits for individuals

Today, banks offer a large number of different profitable deposits for individuals. In order to understand which deposits are the highest, you need to navigate the following groups of financial investments:

1. Terms at the highest interest rates. By opening such a deposit, the client gives the company his money for a certain period, and at this time he cannot take it back without losing interest. Also, you will not be able to replenish your account.
2. Replenished deposit. By opening such a deposit, investors can save money, replenish their account, and along with this, interest increases. True, it is impossible to withdraw funds without losing profits.
3. Deposit with partial withdrawal of finance without interest loss. Such deposits usually have the lowest rates. But they provide the opportunity to takea share of funds on a pre-negotiated minimum balance, on the amount of which interest will be charged.

List of banks where you can get a profitable loan

So, the highest deposits in rubles, according to the current conditions in the beginning of 2019, are offers from several financial institutions. We are talking about the following: Fora-Bank along with Sovcombank, Vostochny Bank, Mosnarbank, Russian Agricultural Bank.

The best offers in rubles and interest rates

Let's now consider in detail the interest rates of the above organizations. It is worth noting that all these deposits are protected by the state in the amount of up to one million four hundred rubles. Today, they are the most beneficial for citizens.

Deposit "888" in Fora-Bank

The highest rate on deposits, equal to 8.88%, is provided for up to 1095 five days. The minimum amount in this case is 88 thousand rubles, replenishment is possible along with the payment of interest at the end of the period. This organization has a wide network throughout Russia.

"Maximum profit with Halva" in Sovcombank

The offered rate ranges from 7.5% to 8.60%. 7.5% is assigned subject to a period of 181 to 365 days. 8.25% with a duration of 730 days, and the highest interest on a bank deposit - 8.60% - with a period of 1095 days.

The minimum required amount is fifty thousand rubles, replenishment is possible, and paymentcustomers interest is carried out at the end of the term. The rate works only if you have a plastic card called "Halva", which can be obtained from the bank. Registration along with service and delivery of the card are free of charge. This organization also has a wide network throughout Russia.

Rozhdestvensky deposit at Vostochny bank

Customers are provided with a rate of 8.1%, and terms range from 540 to 730 days. The minimum amount is 650 thousand rubles, while replenishment, unfortunately, is impossible, and interest is paid, as a rule, at the end of the term. This organization also has a wide network throughout the country.

Deposit called "Winter Petersburg" in the bank "St. Petersburg"

This financial institution also provides a rate that is 8.1%. In this case, the period is equal to 1097 days. And the minimum amount is ten thousand rubles. When using the deposit in question, replenishment will not be possible, and the payment of interest is made at the end of the term. The cities where investments can be made are Moscow along with St. Petersburg, Kaliningrad and the territory of the Leningrad Region.

The highest deposits: "Classic" in Mosnarbank

This organization also gives you the opportunity to invest at 8.1%. The term of cooperation will be 365, and the minimum amount is one hundred thousand rubles, replenishment will be impossible, and interest is paid at the end of the term. Moscow is the only city of presence.

"Russian Winter" in Loko-Bank

In this establishmentthe rate is 8.03%. At the same time, it is 7.7% from the first to 300 days and 9% from 301 to 400. Thus, the total period will be 400 days, and the minimum amount is fifty thousand rubles, replenishment for clients of this deposit is impossible, and interest is paid monthly. Which is very convenient, because even a small financial assistance can significantly alleviate the situation. This organization has a wide network throughout the country.

"Profitable" in RosselkhozBank

This offer is most often mentioned in the feedback of depositors who have already entrusted or are just about to entrust their savings. Customers note that this option is suitable even for "not quite we althy people." Why?

The highest deposit in the bank provides a rate equal to 8%, and the term of the deposit is usually 1460 days. At the same time, the minimum amount is only three thousand rubles and replenishment is impossible, the interest payment is made at the end of the term or on a monthly basis. This organization also has a wide network throughout our country.

"Tavrichesky Maximum" in Tavrichesky Bank

Another attractive offer. As in the previous case, the interest rate on the highest deposit in this bank is 8%, and the term is 730 days. The minimum amount is fifty thousand rubles, replenishment is impossible, and interest is paid at the end of the term. The cities of presence are Moscow along with St. Petersburg, Syktyvkar, Kingisepp, Sosnovy Bor and others.

"Urgent" in Credit Europe Bank

8 %provided for 1098 days. The minimum amount is three thousand rubles, replenishment, unfortunately, is impossible, interest is paid at the end of the term. This organization also has a wide network in Russia.

"Smart Deposit" in Tinkoff Bank

The rate is 7.70% (within the framework of the capitalization condition), the term is twelve months, and the minimum amount is fifty thousand rubles. In the process of using the deposit, replenishment will be possible, monthly payments are provided. The rate is indicated taking into account the 0.5% bonus. The bank operates on a system of officeless model. All documents are brought by the representative. Money is deposited through a bank transfer or through a Tinkoff Bank ATM (the machine accepts up to a million rubles in one bundle of banknotes).

In closing

It is worth emphasizing that today banks are trying in various ways to lure their customers and force them to make an investment. In this regard, it is very important to carefully study the tariffs of a particular financial institution. The fact is that quite often behind the highest deposits in banks there may be a bad organization with inflated conditions for replenishment.

Gifts as part of opening an account may also affect the effective rate. You don't have to chase after them. Very often people come to the bank, make a deposit and ask where their gift is, and in response they receive the fact that the gifts are over. It is not recommended to open deposits in banks that conductdrawings of an apartment and a car among investors. They are always not the highest rates on deposits. Citizens should be aware that they will not receive any prize, and the profitability will be much less. Thus, gifts are just a marketing ploy that makes it possible to attract customers and does not bring them absolutely any profit.