Which bank has the maximum interest on deposits? The maximum percentage of the deposit in the bank

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

What is the most popular way to store money? The answer is quite prosaic: opening a deposit account in banks. It's no secret that most people want to get the maximum interest on deposits. After all, the main thing is not only to save money. It would be nice to multiply what is already available.

What types of deposits exist

It is easy to get confused in the variety of banking products. Indeed, today there are a huge number of types of deposits. Each of them differs in several ways:

• terms for the conclusion of the contract;
• interest rate;
• possibility of partial withdrawal and deposit of funds;
• availability of monthly capitalization;
• deposit currency;
• early closure possible.

All deposits are conditionally divided into several large types that have gained popularity.

• Ruble. The most understandable type of deposit.
• Currency accounts.
• An impersonal metal deposit. The most risky wayprofit.

Maximum bank interest on deposits is charged on long-term accounts.

Anonymous metal deposit

Not all banks work with precious metals. The hegemon in this area is Sberbank, which offers to place funds in gold bars. Profit directly depends on the rate of gold in the world market. This method is the most risky, since you can either make a serious profit or lose some of the money. The greatest effect is achieved when placing funds for a long period.

Currency accounts

Against the background of fluctuations in the exchange rate, many are interested in the question: "What are the interest rates on deposits in foreign banknotes?" Most banks will gladly offer customers to open an account in foreign currency. The maximum interest on foreign currency deposits does not exceed 3% per annum. It should be noted that Sberbank, unlike the others, does not offer interest accrual. Income is calculated from the exchange rate. Here it is important to take into account that the price of selling a currency and buying money by a bank differ significantly. In this connection, it is better to open an account for a long time. The maximum interest on deposits can be obtained by opening a multi-currency account. In this case, money will not lose value. That is, there is no dependence on the exchange rate.

Ruble deposits

Probably the most common type of deposit. Every citizen of Russia has come across them in one way or another. The lowest rate on the deposit "On Demand". Note that it is at this rate thatincome is calculated in case of early closure of other types of accounts.

They, in turn, are divided into different types by:

• down payment;
• opportunities to replenish the account during the term;
• possibility of partial withdrawal of accrued interest;
• duration of the contract;
• presence of capitalization.

The most profitable ruble deposits with interest. Maximum bets provide significant profits.

Which bank to choose

The most difficult choice is to choose the right type of deposit in a reliable bank. Today there is a large selection of financial institutions that attract funds from the public. Most of them participate in deposit insurance. This gives a guarantee of a refund in force majeure situations. The maximum deposit amount should not exceed 700 thousand rubles.

Your savings should be trusted to larger banks. Although small private institutions offer the maximum percentage of deposits in the bank. Let's take a look at the best deals.

Overview of banks

1. Sberbank is ready to accept funds from the population not only in rubles. Currency and metal accounts are provided. At the same time, the range of foreign currency deposits is very wide. The bank covers all segments of the population, allowing everyone to choose a deposit according to their needs. Although the stakes are not so high, it is possible to choose the most optimal account option.

2. VTB24 keeps up withSberbank. The terms of the contract are about the same. However, rates on foreign currency accounts are higher. Each client will find the right type of deposit.

3. Gazprombank does not have such a wide range of products. There are only 6 types of deposits, but the interest rates on them are slightly higher than those of the above institutions. The maximum interest on deposits is 7.

4. Rosselkhozbank imposes more stringent conditions for opening an account. Profit is accrued only at the end of the contract, there is no way to replenish. Although the rates are much higher compared to other state-owned banks. They can reach 10.2%.

5. "Bank of Moscow" is not replete with a variety of deposits, but boasts a flexible approach to clients. It is worth noting that opening an account here is more profitable for those who have a large amount of money.

6. "Russian Standard", thanks to its proposals, does not lag behind Sberbank and VTB24. The depositor here will find a deposit that will satisfy his requirements. The maximum interest on deposits is 10-12. However, there is no capitalization, and the conditions are more stringent for the client.

7. "Home Credit" was also able to take its place in the rating of banks that offer a high return on deposits. The contract term is at least one year. There is a possibility of capitalization, partial withdrawal and replenishment. The bank is ideal for most people. The rate can reach 12 percent per annum.

How to choose a deposit

When choosing a deposit, you must carefully study all the conditions for accruing income. For example, out of twoaccounts of the same terms and rates, the most advantageous is the one where monthly capitalization is provided. Capitalization is the calculation of interest not only on the initial amount of the contribution. In this case, income is accrued on previously paid interest and additionally deposited funds. This is very beneficial for all customers.

For the convenience of customers, many banks post all offers on websites where you can not only get acquainted with the conditions, but also approximately calculate the profitability of the deposit. Deposits with the possibility of replenishment are suitable for those who decide to open an account for a short period of time. At the same time, it is also desirable that there be capitalization of interest. The more often capitalization occurs, the more profitable it is for the client. If the choice is made, then you should immediately contact the institution, as the bank, at its discretion, may amend the conditions. However, this does not apply to the concluded contract.

Today, the classic deposit conditions are the most advantageous. These conditions include a large bet without the possibility of replenishment and withdrawal of funds. At the same time, the client needs to forget about the existence of savings for a predetermined period.

Good conditions for opening an account can be obtained during seasonal promotions, which have been increasing in recent years. These promotions are held before the holidays. Such deposits are in most cases short-term. The total term of the contract does not exceed three years.

Risks

A banking institution is affected by the economy as a whole. And with the latest developments in this area, many investors are concerned. Central Bankbegan a mass check of all organizations for accreditation with the Deposit Insurance Agency. If the bank does not have such a document, then the Central Bank will soon revoke the license. The funds that were kept in the bank will still be returned to the owners, but it will take some time.

To avoid this, you should carefully study all the documents of the bank or consult with a lawyer. In addition, you should not give in to the first impulse to open an account at a high interest rate. Important: stable and reliable banks do not offer exorbitant deposit interest.