The most profitable deposits in Volgograd banks

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

If you decide to increase your savings, it is better to keep them in the bank, and not under the mattress. Various credit and consumer cooperatives offer very attractive conditions, sometimes up to 25% per annum. But this is pure swindle. Such companies operate like a financial pyramid. The first clients manage to skim off the cream, while the rest remain out of work and lose their savings.

If you don't want your hard-earned rubles to disappear without a trace, open deposits in Volgograd banks, which guarantee the safety of your funds. Their interest rates are low, but you can be sure that there will be no problems.

Deposits in Volgograd banks

Volgograd has a huge number of banks. Starting from the "oldies", such as Sberbank, and ending with the modern "Raiffeisen" and "Tinkoff". All of them offer to make deposits, but their conditions are different. Generallyinterest rates on deposits in Volgograd banks are not very high and rarely exceed 7% per annum. We have prepared top bank offers with the highest interest rates and attractive conditions.

Sberbank

Speaking of deposits in Volgograd banks, it is impossible to start the top from another financial institution. After all, Sberbank appeared back in 1991 and today is one of the largest in Europe.

Currently, the bank offers the most profitable "Trust" deposit. The minimum deposit amount is 50,000 rubles. The term is six months. This offer has the highest rate - 6% per annum. Let's say you put in 100 thousand rubles and in six months you will take 103,008 rubles, that is, the benefit will be a little more than three thousand rubles. Interest is calculated at the very end, unfortunately, it is impossible to replenish the deposit or partially withdraw funds from it before the expiration date. If you want to prolong it, then it is possible an unlimited number of times.

Another contribution from Sberbank, which is quite popular, is called "Save". But it has many pitfalls. The maximum rate on it is 4.45%, provided that the deposit for 6-12 months is open online, and at least 400 thousand rubles are invested. You cannot withdraw money until the end of the deposit term, however, it is also forbidden to replenish the account.

VTB Bank in Volgograd

This bank offers a "Favorable" deposit. Its term is from three months to five years. The maximum rate is 6.48%, provided that the interest is capitalized and the term of the deposit is sixmonths. You can multiply the minimum from 30 thousand rubles. By the way, it is also impossible to replenish the deposit and withdraw money from the account until the expiration date. And yet, when opening a deposit at a VTB bank branch in Volgograd, the rate is lower, so it’s better to do it remotely via the Internet. For example, if you deposited one hundred thousand, then in 180 days you will withdraw 103,197 rubles 84 kopecks from the bank.

"Volga Express" bank of Volgograd

Currently it is merging with another one, SovcomBank. It offers, perhaps, one of the highest rates - as much as 7.8% per annum for a period of three years. But here, too, not everything is so simple. This level can be claimed by the owner of the Halva card, who, during the term of the deposit, will pay it at least five times in the amount of at least ten thousand rubles. The minimum deposit amount is 50 thousand.

Rosselkhozbank

Speaking of deposits in the banks of Volgograd, one cannot fail to mention Rosselkhozbank, which also offers a rather high rate. The "Profitable" deposit offers 7.65% per annum, provided that the deposit is open for four years, interest will be paid at the end of the term and the minimum amount is three thousand rubles. The maximum deposit amount is not limited. You can’t touch the account either: neither replenish, nor withdraw something from it.

Binbank

The "Maximum Interest" deposit promises 6.3% per annum. To do this, the deposit must be made online for a period of 181 days and put at least ten thousandrubles. The payment of income is made at the end of the term of the deposit. As in other financial institutions, money cannot be withdrawn from the deposit until this moment. However, how to replenish it.

Conclusion

Which bank to choose is a purely personal matter. But it should be understood that our country has a rather high level of inflation. It all depends on what the person as a whole spends more money on. But interest rates in banks are on average around seven percent. And the income received barely exceeds the level of depreciation of the national currency. Thus, becoming richer with the help of deposits in banks is unlikely to succeed. But saving money and multiplying it a little, protecting it from inflation, is quite realistic.