Where is it profitable to open a deposit in Samara? List of banks

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

Many major Russian commercial banks operate in Samara. The services of which include deposits that allow clients to receive income. Consider the most advantageous offers of banks, as well as the features of a particular deposit product. Pay special attention to high-interest deposits. In Samara, they can be issued both at a bank branch and in most cases online.

Deposits from Alfa-Bank

The profitable deposit offered by Alfa-Bank is called Alfa-Account. The minimum amount to replenish is 1 ruble. The term of the deposit starts from 1 month. The interest rate is 7% per annum. What are the benefits of this investment? These include:

• interest is paid monthly;
• partial withdrawal and replenishment;
• preferential termination available;
• Interest capitalization.

Let's give an approximate calculation. If a client makes a deposit of 100 thousand rubles, then in a month his incomewill be 575 rubles.

Deposit from Renaissance Bank

"Renaissance Bank" offers customers to open a savings account "Without Borders Online" in Samara. The amount to be replenished starts from 1 thousand rubles. Deposit term - 181 days. The interest rate is 6.5% per annum. Accrued interest is paid monthly. The deposit can be replenished, and partial withdrawal is also available. Accrued interest is capitalized.

This deposit can also be opened not only in rubles, but also in foreign currency. Savings account in dollars is opened in the amount of $100. Interest rate - 0, 25% per annum. A deposit in euros is opened in the amount of 100 €. Interest rate - 0.15% per annum.

Deposit from Gazprombank

One of the profitable deposits in Samara can be found in Gazprombank. Namely - "Savings account". The offered interest rate is 6.2% per annum, with interest accrued every month on the minimum account balance. The minimum deposit amount should be 5 thousand rubles. Term: from 1 month. You can replenish the deposit without losing interest, partial withdrawal without loss of income is also available. Clients can take advantage of preferential termination of the deposit agreement.

Deposit from Sberbank

The largest commercial bank in Russia also offers the possibility of opening deposits in Samara. Consider one of the options, namely a product called "Manage". You can open it both in rubles and in dollars, but we will dwell on the ruble in more detail. The deposit amount should not be less than 30 thousand rubles. Term: from 91 days andabove. There is a possibility of extension.

Deposit rate reaches 4.25%. The main characteristics of the deposit include the following advantages: accrued interest is paid every month, partial withdrawal of funds from the account is also available, in addition, the client can replenish the deposit during the entire validity period.

Let's consider one of the options with an example. The client opens a deposit in Samara in Sberbank in the amount of 400 thousand rubles. The term is 182 days. Income at an interest rate of 4.25% per annum will be 8552 rubles.

It is also worth noting that clients served under the Sberbank Premier package of services can count on higher interest rates on deposits. To do this, they need to contact a personal manager. More complete information can be clarified at the Sberbank support service and at any branch where there is a Premier zone.

Deposit from BystroBank

"BystroBank" offers one of the most profitable deposits in Samara, namely the "Maximum rate" deposit. The minimum amount for this product is 100 thousand rubles. The interest on deposits in Samara reaches 7.53% per annum. However, it should be borne in mind that the deposit is opened for a period of 3 years. What additional conditions are there? It should be noted right away that partial withdrawals are not possible, but replenishment of the savings account is allowed. Interest is paid every month. In other words, the interest rate is capitalized. The deposit can be terminated on preferential terms.

Contribution"Post Bank"

Most recently, branches of Post Bank opened in Samara. Clients are offered to open a deposit in Samara with high interest, namely "Cumulative", the interest rate for which reaches 7% per annum. The minimum deposit amount is 5 thousand rubles. Term: 1 year. It is worth noting that replenishment of the savings account is possible, but partial withdrawal is not provided. Interest is paid at the end of the term of the deposit. But it is worth noting that preferential terms apply for early termination.

Let's give an approximate calculation. If the client wished to open a deposit in the "Post Bank" in the amount of 50 thousand rubles and a period of 367 days, then at the end of the deposit he will receive an income of 3613 rubles.

How to choose a deposit

When choosing one or another deposit in Samara, clients must determine for themselves which criteria are the most priority for them. Some banks allow you to replenish the deposit during the entire period, as well as partially withdraw funds if desired, but it gives a very low percentage of profitability. On the contrary, other financial institutions offer customers a fairly high percentage, but without the right to partial withdrawal, and sometimes without the right to replenish.

It is also important to pay attention to the stability and rating of a commercial bank. For example, Sberbank is one of the most promising financial institutions on the Russian market. However, this bank offers a rather modest interest on deposits. If you want to invest a large amount, a small percentage should not scarecustomers.

Besides, interest on deposits in Samara depends on the package of bank services used by the consumer. For example, having an Alfa-Bank premium card, you can get a higher percentage of profitability on a deposit in this financial institution.