In which bank is it profitable to invest money: a list, an overview of services and interest rates, a description of the conditions, reviews

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

Which bank is best to invest in? This is a reasonable question asked by any Russian, as soon as he has additional income. After all, it is well known that money should not lie just like that. They are obliged to bring profit to their owners, to work for them. Whereas there was essentially only one bank in the Soviet Union, so there were no options then, now there are so many players on the market that it is not so easy to decide which organization to trust with your money. In addition, it is no secret that a certain crisis has been outlined in the banking sector recently, the victims of which have become even very large players. For example, the bank "Opening". In this article, we will try to understand all the existing nuances, advising where it is best to invest your savings.

Reliability

If you decide which bank to invest money in, then you should know what criteria you should pay attention to in the first place. Remember that attractive and high deposit rates can be deceiving. Often they try to hide their unstable position in the market behind them, and in some cases outright scammers do this. However, you should be prepared that it will not be possible to fully protect yourself from any unforeseen troubles. The only thing, when deciding which bank it is profitable to invest money in, give preference to reputable and prestigious financial institutions. Even if their interest rates are lower than in commercial banks, you can be calm about the safety of money.

There are several options for investing savings. You can open depersonalized metal accounts, invest in investment companies, mutual funds or purchase a savings certificate. However, the most common and reliable is still the opening of a regular deposit. This option is trusted by most Russians when determining which bank is profitable to invest in.

How will we choose?

To make a profitable deposit, to decide in which bank to invest money at interest, several important parameters must be taken into account. We have already talked about reliability. It is worth recognizing that this parameter remains one of the key ones. Even if the interest rate is very high, but the bank itself is very doubtful, you should not contact him. Choosing financialan institution with an established reputation, clients receive guarantees that they will be able to get their money back with interest. Currently, the largest banks in the Russian Federation are Sberbank, VTB, Alfa-Bank, Rosselkhozbank. In reviews of which bank to invest money in, most current and potential customers are advised to choose from this list. It is these financial institutions that have the largest customer base, as well as offices in all major cities of the country.

The next parameter that you should pay close attention to when deciding in which bank to invest money at interest is the value of the rate itself. It is worth recognizing that in large banks, as a rule, you will not find really attractive and high rates. They charge for reliability. Less well-known, who have nothing else to offer, attract the client with as much profit as possible. Completely new banks, which have not yet had time to declare themselves, act in the same way. So, when you are offered a high interest rate, this does not mean that you will definitely be deceived, but it is worth being afraid for your savings.

Carefully study all the parameters of the deposit. The rate will also be affected by its duration, special conditions present in the contract.

One more parameter can be called manageability. It is very important when determining which bank to invest in. There are deposits without the possibility of replenishment or partial withdrawal of the amount before the end of the contract. In this case, you can receive the entire amount with interest only in the veryend. Of course, it is more convenient when there is an opportunity to replenish an account and withdraw money from it if necessary, in order to more or less freely manage your funds. But in this case, the rate is likely to be slightly lower. There are also options with the capitalization of the deposit, which also affects the decision on where to invest money, which bank to choose.

Finally, you should definitely find out from an employee of a financial institution whether your savings will be insured, whether the bank cooperates with the Deposit Insurance Agency. Currently, in Russia, a deposit is considered automatically insured if it contains an amount of no more than 1.4 million rubles.

This is another important point to consider when deciding which bank to invest in. You need to understand that this will include both the amount you originally deposited and the interest accrued on it. Of course, the deposit will be insured only if the financial institution cooperates with the Deposit Insurance Agency. Then you can not worry about the fate of your money, even if the bank "bursts" or the Central Bank revokes its license.

The best way to decide which bank to invest your money in is to make a list of financial institutions that you trust the most and then compare what conditions they offer. As a rule, the sites describe in detail all the details, program conditions, interest rates and tariffs for each deposit. If necessary, you can get additional advice at any branch that is within walking distance from you.

RatingCentral Bank

When deciding which bank is better to invest in, we advise you to refer to the reliability rating for opening a deposit, compiled by the Central Bank of the Russian Federation.

Please note that if you invest in a public financial institution, you will receive a relatively small rate. This is due to the fact that such companies have huge client bases, which include many millions of people, so they do not need to additionally attract investors, promising them high returns. People will come to them anyway, focusing on status, name and fame.

Also, the decisive factors for many when deciding which bank is more reliable to invest money in are the presence of their branches in small towns, their prevalence throughout the country, and the transparency of deposit conditions.

If you take the most popular banks, then Sberbank, the most common in the Russian Federation, will be able to offer you a maximum rate of only about seven percent per annum. In "VTB", "Rosselkhozbank" you can count on about the same profit. We will talk about the interest on deposits in each of these financial institutions, as well as the conditions in this article.

Answering the question of which banks to invest in, many experts advise choosing state-owned financial institutions, since most of them belong to the state. This means that if any problems arise, the company will still be provided with the necessary support. So the likelihood that they will go bankrupt,close to zero. In 2018, Sberbank of Russia is the leader in the bank reliability rating in terms of the number of assets. In second place is VTB, and in third is Gazprombank. The top ten also included Rosselkhozbank, Moscow Credit Bank, Unicreditbank, Alfa-Bank, Raiffeisenbank, Otkritie, and the All-Russian Regional Development Bank.

It is this list that everyone advises to focus on when you decide which bank is more reliable to invest money in.

High Interest

Of course, when a person invests money, first of all, he expects to earn as much as possible. Therefore, no one will reproach you if you carefully study the various interest rates that are being offered to you.

It is important to remember that, in addition to the rate itself, you need to carefully study all other terms of the contract. After all, if you focus only on advertising, then you can be misled. The videos talk about the maximum rates, but you should always remember that there are also minimum ones, and the final value depends on various factors. When deciding which banks it is better to invest money in, it is important which program you choose, for how long, whether you can withdraw money from the account or replenish it, how often to receive income (monthly or only at the very end of the term). Please note if you are in the category of privileged customers (as a rule, these are those who have a credit card with this bank or they receive throughhis pension). All this will affect the final deposit rate, which bank to invest in.

After carefully analyzing the existing market, we can identify several of the most attractive offers. This should help you decide which bank is better to invest your money in. For example, in "Sovcombank" there is a deposit "Record Interest". If you have a Halva card, the rate can reach 8.65%. True, there is no possibility of early termination, provided that the interest received on the deposit is preserved.

It is important that throughout the term you have the right to deposit additional amounts, not exceeding the original amount. Interest is paid after the expiration of the entire term directly to the "Halva" card.

Traditionally advantageous deposits are offered to be opened at Zenith Bank. The Leadership Strategy deposit offers a yield of up to 9.5 percent per annum with a minimum amount of one hundred thousand rubles. It is noteworthy that this deposit can only be opened in conjunction with the execution of a client's investment life insurance policy in a credit institution.

We emphasize that all these deposits are accepted only in domestic currency. Here is the best bank to invest rubles in.

Memo for contributors

Before you give your money to any financial institution, it is important to remember a few important things. When deciding which bank you can invest your money in, you should understand that small firms, which, moreover, are often represented in only one region, oftenattract investors with increased deposit rates and other favorable conditions. At the same time, they do not have sufficient experience in functioning in this market, as well as lack the stability and reliability to ensure that your money is guaranteed.

Therefore, when determining which bank to invest in, experts recommend, first of all, to pay attention to those organizations that have considerable experience and a high reliability rating.

Besides, don't forget that it is possible to receive income, however small, with the help of debit cards, with the ability to accumulate available funds. For example, you pay with this card wherever possible, pay for services, purchase some goods, and for this you are regularly charged certain percentages. In this case, the larger the amount on your account, the more significant commission you can count on. From time to time, banks hold promotions in order to get more customers, for this they can, for example, offer increased interest on their debit cards.

Next, to help you figure out where to invest money, in which bank the interest is higher, we will consider the offers that the largest banks in the domestic financial market offer today.

Sberbank of Russia

Sberbank has never been famous for high interest rates on deposits, but at the same time it is always considered among applicants when they do not know where to invest money. This happens because it is the most popular bank in the country,its branches are even in very small settlements throughout our country. In addition, it is considered one of the most reliable, it is simply impossible to imagine that it goes bankrupt.

New offer from Sberbank - deposit "Without a passport". When placing from 50 thousand rubles for a period of one year, you will receive a rate of 7%. You can open a deposit for only five months. In this case, the rates will drop to 6.5%. The attractiveness of this offer is that you do not need a passport and do not need to personally come to the bank branch. You can open it at an ATM or through Sberbank Online. In this case, partial withdrawal and replenishment is not provided. All interest is accrued only at the end of the term of the contract. At the same time, the interest itself can be transferred to other accounts or withdrawn freely.

The "Save" deposit is primarily designed to save your savings, the bank itself says. It can also be opened online, while receiving a rate of up to 5.15%. The amount - from one thousand rubles, the term - from one month to three years. In this case, partial withdrawals and replenishment are not provided. You need to understand that you can count on a rate of 5.15% only if you open a deposit in the amount of 400 thousand rubles for a period of one year or more. The minimum possible option is four percent per annum.

On the "Replenish" deposit, it will be convenient for you not only to store, but also to accumulate your savings. Partial withdrawal in this case is also not provided, but you can regularly replenish your account. The rate on this deposit is up to 4.7percent per annum, the amount is from one thousand rubles, and the term is from three months to three years.

Deposit "Manage" today attracts many customers, often they choose it, deciding which bank to invest their money in. It is important that it offers a partial withdrawal of the profits received without losing interest. The amount is from 30 thousand rubles, the term is from three months to three years. It is also refillable. Depending on the conditions, customers can expect a rate of 4 to 4.4%.

There are specialized deposits in Sberbank. For example, "Social". It is intended for the disabled and veterans of the Great Patriotic War, children left without parental care. Unlike previous deposits, it can only be opened at a bank branch. It cannot be done remotely. This is a replenishment deposit with partial withdrawal, which is opened in the name of a veteran or the child himself by his legal representative. The minimum amount is 1 ruble, the term is 3 years, the interest rate is 4.25%. This is a funded deposit with partial withdrawal.

The "Give Life" contribution is intended to help children with hematological, oncological and other diseases, which, as a rule, require expensive treatment. The minimum amount is 10 thousand rubles, the term of the deposit is one year, the interest rate is 5.05%. This is a non-replenishable deposit without the possibility of partial withdrawal. Its main feature is that every three months Sberbank transfers an amount of 0.3% per annum of the amount of the deposit to the Podari Zhizn charity fund.

There is also a specialoffer for pensioners - deposit "Pension-plus of Sberbank of Russia". It involves earning a retirement income. It is replenishable with the possibility of partial withdrawal. It opens for three years at 3.5%. The minimum minimum balance must be 1 ruble.

VTB

To determine which bank to invest in, we will tell you about the conditions offered by VTB Bank.

Here are the most popular options. "Maximum" deposit is a deposit with a maximum rate for a fixed period. The amount is from 30 thousand rubles. The client receives a rate of up to 8% per annum, but at the same time cannot replenish the account or withdraw money in advance. Deposit term - three years.

Deposit "Favorable" is designed to increase your money, helping you to receive a fixed income. This will make you feel confident. The maximum rate for this offer is up to 7.16% per annum. Term from three months to five years. Withdrawal or replenishment is not provided.

Deposit "Replenished" also does not imply a preliminary withdrawal of funds, but allows you to replenish your own account. The term is the same as in the previous version. The maximum rate is up to 6.32%. Monthly payments or interest capitalization are provided.

The "Comfortable" deposit is designed for convenient management of your funds. The maximum rate is provided much lower - only up to 4.16%, and the deposit amount starts from 30 thousand rubles. At the same time, it is providedand multiple withdrawals, and replenishment of the account, as well as interest capitalization or monthly payment. Access to funds on deposit is provided at any time. Withdrawal can be made within the amount that will not exceed the minimum balance. As a result, for deposits opened through one of the bank branches, the minimum amount of partial withdrawal is 15 thousand rubles, and for deposits opened through the Internet bank, from one ruble. Debit transactions are provided up to the minimum balance.

Many VTB clients were interested in the latest offer of the financial institution - the Savings Account deposit. Its main advantage is that in the first month of service with a VTB multicard there is a special offer - a rate equal to 8 percent per annum. To take advantage of this offer, you need to open a VTB multicard, and then activate the "Savings" option. Savings account is opened in rubles. There are two ways to place funds on it, including online. In this case, you can transfer money without commission from a card of any bank, or do it at any branch of the bank, presenting a document proving your identity.

After that, in the first month after the deposit of funds, you will receive a rate of 8% per annum. Moreover, in the following months, when making purchases using this multicard, the rate can be increased to 8.5%.

With this option of depositing funds, you will be provided with increased income when using a multicard,withdrawal and replenishment of the account without restrictions, the possibility of auto-replenishment of the account, the money is insured by the Deposit Insurance Agency. As part of this offer, a special rate on this account will only be offered if you open a multicard with the "Save" option. It consists of the interest premium and the base interest rate. It is worth emphasizing that the main rate directly depends on the time you deposit funds in the relevant savings account. Initially, there is a percentage surcharge of four percent per annum, valid in the first month of using the multicard for new customer funds in the savings account. At the same time, the rate does not depend on the amount of purchases made with the multicard. In the following months, there is a surcharge to the base rate on the current savings account, which is carried out when making transactions with a multicard in the amount of five thousand rubles or more.

Clients of VTB Bank admit that this offer is very attractive in order to place their funds under these conditions.

Alfa-Bank

Interesting offers are developed by Alfa-Bank specialists who seek to attract as many customers as possible. They have two types of deposits - with the possibility of replenishment or withdrawal, as well as with the maximum income without the possibility of withdrawal and replenishment. Consider all existing options.

The "Premier" deposit assumes a systematically growing interest rate. Atthe client has the opportunity to replenish his deposit. In this case, the more money will be on his account, the higher will be the final percentage per annum.

Now more about the conditions of the "Premier" deposit. The expected yield is up to 6.7%, while the interest rate directly depends on the category, service package, universal line of cards. The rate increases depending on the level of customer service. The starting amount on the deposit is ten thousand rubles, and the period for placing funds is from three months to one year. The possibility of increasing the interest rate, replenishing the account is provided. You can open a deposit not only in any of the bank branches, but also in the Internet bank, mobile application.

Deposit "Potential" promises clients an individual approach to terms. In this case, the interest rate is up to 6.2%. The minimum amount is exactly the same - ten thousand rubles, the deposit term - from three months to three years. The possibility of withdrawal and replenishment is present.

Two deposits in "Alfa-Bank" can be opened to receive maximum income, but without the possibility of preliminary replenishment and withdrawal. On the "Big Jackpot" deposit, customers are offered the maximum income, provided that the deposit is opened before January 31, 2019. You can open an account in a mobile application for a period of one to three years. Depending on the period for which you open a deposit, the rate can be from 7.1 to 8.18 percent per annum. At the same time, the minimum deposit amount is 50 thousand rubles.

Finally, on the Pobeda deposit, clients are offered the highest ofpossible income. When capitalizing interest for a period of three years, the interest rate will be 8.01%. Moreover, the client has the opportunity to independently choose the method of calculating interest. Ultimately, the percentage is also affected by the bank card you have in your hands and the connected service package.

Rosselkhozbank

At once several interesting offers on the market are being made to the clients by "Rosselkhozbank". There are options for almost any wallet and opportunity: for those who have very little money, for those who have significant amounts for which they want to receive the maximum percentage. Moreover, special attractive deposits are provided for pensioners.

The interest rates themselves differ not only in the amount and terms, but also in the ways of opening deposits. When making a deposit online, the profitability is higher than when opening a similar deposit in a bank office. Be sure to remember this so that you can choose the best deposit for yourself.

Currently, the "Profitable" deposit is available for clients. This deposit involves a very high interest rate, even if you do not have a lot of money on hand. You can also open a deposit remotely. If your account is in the amount of at least 50 thousand rubles, then you will also receive a free card "Amur tiger - card for deposit".

The minimum deposit amount is only three thousand rubles, the term is from one month to four years. Debit transactions and replenishmentnot provided. Interest is paid monthly or at the end of the term. Interest rate in rubles - up to 8%.

Opening a "Reliable Future" deposit is possible when applying for an investment life insurance policy in one of Rosselkhozbank's partner companies. When opening a deposit for a year, the interest rate will be 8.4%.

The "Investment" deposit is intended for individuals. It enables clients to receive income not only from the amount of money placed on deposit, but also by investing in mutual funds. The minimum amount is 50 thousand rubles, the rate, depending on the term, varies from 7.75 to 8.45%.

If we focus on the opinions of Russians who today are choosing where to invest their money, or have already made such a decision, then it is worth recognizing that the majority still prefers large state-owned banks. In addition, strongly advising not to make a deposit in each individual bank in the amount of more than 1.4 million rubles, protected by the Deposit Insurance Agency. In the past few decades, the inhabitants of our country have repeatedly had to deal with situations where they could lose all their savings at once. Therefore, today they give preference not to the opportunity to earn a lot and quickly, but to the desire to save their money, even if with a minimal benefit.

Currency deposits

It is worth noting that today interest rates on foreign currency deposits are much lower than on ruble deposits. This situation exists inall banks without exception. However, if you are still interested in which bank to invest in, you can find some interesting offers.

It should be emphasized that there are many offers from small and little-known financial institutions that seek to attract customers with favorable interest rates. When choosing which bank it is better to invest dollars in, it makes sense to pay attention to Metallinvestbank. Here the maximum rate on a dollar deposit is 2.9%. At the same time, there is no possibility of partial withdrawal or replenishment, but early preferential termination is possible. Here is the best bank to invest in. At the same time, on all deposits, the rate on deposits in euros in this bank is 0.1%.