Rating of banks by interest on deposits of individuals

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

It's no secret that many Russians keep their accumulated funds in various banks. Agree that this is a good way to generate passive income. Almost every one of us has ever thought or is thinking about investing in a bank.

Why do so many people choose this way of investing? The answer is extremely simple. First, quick income. Secondly, simplicity of actions. No special knowledge is needed here. It is enough to study the rating of banks in terms of interest on deposits and choose the best option for yourself.

What is a bank deposit?

Deposit - this is money transferred to the bank for storage at a certain percentage. After a certain time, the funds are returned in a larger volume. It depends on the interest rate and the money you invested.

Bank deposits are regarded by the state as entrepreneurship, respectively, you need to pay tax.

All banks need investors, so interest-bearing deposits are constantly changing, more and more sophisticated ways to attract customers are being invented, and the rating of banks in terms of interest on deposits is changing. It is important to remember that banks will definitely not make offers that could be to their detriment.

What you need to know when choosing a deposit program?

There are many different bank ratings for interest on deposits, and we will talk about them in the next part of the article. All money under the programs is protected by law, but it is still pointless to ask banks questions about the amounts received.

Before you invest your money, you must definitely study all the conditions. First, it can have a floating rate. Secondly, the program may have various additional conditions.

Frequently, banks arrange seasonal promotions. For example, New Year's. Credit organizations offer to invest with higher interest rates, and just at such a time it is most worth watching the rating of banks in terms of interest on deposits.

Five rules when placing a bank deposit

Many people do not understand investments at all, therefore, before giving away your funds, you need to carefully study everything, and five golden rules will help you with this. Be sure to read them.

Rule 1. Money must not be in the same institution

Many decide to invest a large amount in one organization. You should not do this if you are not completely sure of the institution. As you know, the insurance agency in the event of something notwill pay you more than 1.4 million. It doesn't matter how many deposits you have in the bank. The total amount for them will not exceed this.

Rule 2. Deadline

In this case, you should think carefully. There is a calculator on the website of each credit institution. All financial institutions are guided precisely by the term of the deposit. If you are confident in the bank, then you can invest money for a long period, but if it exists not so long ago, then you can place funds for short periods.

Rule 3. Withdrawal of received amount

Many investors are attracted by significant interest rates with minimal investment amounts. Usually such deposits are not replenished, but sometimes interest can be withdrawn.

In fact, the money is practically dead, because if the deposit is closed ahead of schedule, you will have a fine and the interest will have to be returned.

Rule 4. Capitalization

Not many investors pay attention to this, but it is worth it. After all, the more capitalization occurs, the more money you will receive. Simply put, capitalization is the calculation of interest on interest.

Rule 5. Deposit replenishment

That's a nice plus. You can supplement your contribution with funds at any time and receive more. Of course, interest rates with such conditions are usually lower, but for many it is very convenient.

Below we will tell you which banks have a high interest rate.

What deposits are there?

There are a lot of bank deposits and each of them has its own advantages and disadvantages. Still, there is a single classification of deposits.

1. On demand - depends directly on the term of the deposit.
2. Replenished or non-replenished deposit. Everything is very clear here.
3. Currency. Deposits can be made not only in rubles, but also in dollars and euros.

The difference between a demand deposit and a fixed-term deposit in its term. Term deposits are usually from one month to several years, and demand deposits do not have a term. That is, a person can withdraw funds when he needs them.

As for the currency, domestic banks have a choice. But the interest on foreign currency is much lower, although they have it much more stable and this has its advantages. The first thing to consider is the rating of banks on interest-bearing deposits.

Rating of banks by deposits

1. Deposit "Absolute Champion Plus" in the commercial bank "B altinvestbank". The maximum rate is 8.5 percent. The period of placement of your money is from 91 days to 180 days. Minimum amount – 10,000 rubles.
2. Deposit "Profitable" in the commercial bank "BBR Bank". The maximum rate is 8.4 percent. The period of placement of your money is from 91 days to 730 days. Minimum deposit amount - 5000 rubles.
3. Deposit "Maximum interest in Internet banking" in the commercial bank "Binbank". The maximum rate is 8.3 percent. The period of placement of your money is from 91 days to 730 days. Minimum amount - from 10,000 rubles to 30,000,000 rubles.
4. Deposit "Maximum income" from the commercial bank "Russian Standard". Maximum on deposit - 8percent. The period of placement of your money is from 91 days to 720 days. Minimum amount – 10,000 rubles.
5. Deposit "Classic" from commercial bank "Soyuz". The maximum deposit rate is 8 percent. The period of placement of your money is from 93 to 367 days. Minimum amount – 10,000 rubles.
6. Deposit "Maximum income online" from the commercial bank "Sovkobank". The maximum deposit rate is 7.9 percent. The period of placement of your money is from 31 days to 365 days. Minimum amount – 30,000 rubles.
7. Deposit "Formula of income" from the commercial bank "Sotsinvestbank". The maximum deposit rate is 7.85 percent. The period of placement of your money is from 91 days to 365 days. Minimum amount – 100,000 rubles.
8. Deposit "Maximum income" from commercial bank "Svyazbank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 1 month to 3 years. Minimum amount – 30,000 rubles.
9. Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 91 to 1065 days. Minimum amount – 50,000 rubles.
10. Deposit "Profitable online" from the state bank "Rosselkhozbank". The maximum deposit rate is 7.55 percent. The period of placement of your money is from 31 to 1460 days. Minimum amount – 3,000 rubles.

Many are interested in interest on interest, so the next part of the article will be devoted to the rating of banks on deposits withinterest capitalization.

Deposits with capitalization

1. Deposit "Premium Rentier" from commercial bank TKB. The maximum deposit rate is 8.50 percent. The period of placement of your money is from 31 to 1460 days. Minimum amount – 50,000,000 rubles.
2. Deposit "Christmas VIP" from commercial bank "Vostochny". The maximum deposit rate is 8.20 percent. The period of placement of your money is from 91 to 367 days. Minimum amount – 1,000,000 rubles.
3. Deposit "Reliable" from commercial bank "TRUST". The maximum deposit rate is 7.95 percent. The period of placement of your money is from 91 to 181 days. Minimum amount – 50,000 rubles.
4. Deposit "Easy Income" from the commercial bank "SMP Bank". The maximum deposit rate is 7.89 percent. The period of placement of your money is 367 days. Minimum amount – 100,000 rubles.
5. Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 91 to 1065 days. Minimum amount – 50,000 rubles.

Rating of interest on deposits in Moscow banks

1. Deposit "Premium Rentier" from commercial bank TKB. The maximum deposit rate is 8.50 percent. The period of placement of your money is from 31 to 1460 days. Minimum amount – 50,000,000 rubles.
2. Deposit "Christmas VIP" from commercial bank "Vostochny". The maximum deposit rate is 8.20 percent. Period of placement of your money from 91 to 367days. Minimum amount – 1,000,000 rubles.
3. Deposit "Reliable" from commercial bank "TRUST". The maximum deposit rate is 7.95 percent. The period of placement of your money is from 91 to 181 days. Minimum amount – 50,000 rubles.
4. Deposit "Easy Income" from the commercial bank "SMP Bank". The maximum deposit rate is 7.89 percent. The period of placement of your money is 367 days. Minimum amount – 100,000 rubles.
5. Deposit "High Interest" from the commercial bank "RosEvroBank". The maximum deposit rate is 7.75 percent. The period of placement of your money is from 91 to 1065 days. Minimum amount – 50,000 rubles.

St. Petersburg banks: rating, deposits, interest

1. Deposit "Business" from commercial bank "MBSP". The maximum deposit rate is 8.50 percent. The period of placement of your money is 1 year. Minimum amount – 5,000,000 rubles.
2. Deposit "Digital bonus" from the commercial bank "Russian Capital Online". The maximum deposit rate is 8.50 percent. The period of placement of your money is 3 months. Minimum amount – 100,000 rubles.
3. Deposit "For your own plus" from the commercial bank "Expertbank". The maximum deposit rate is 8.50 percent. The period of placement of your money is 1 year. Minimum amount – 1,000 rubles.
4. Deposit "VIP" from the commercial bank "Transstroybank". The maximum deposit rate is 8.50 percent. The period of placement of your money is 400 days. Minimum amount – 3,000,000 rubles.
5. Contribution"Maximum income with Halva" from the commercial bank "Sovcombank". The maximum deposit rate is 8.40 percent. The period of placement of your money is 3 months. Minimum amount – 30,000 rubles.

And finally, we will tell you about the highest percentage of deposits in Russian banks in the rating.

The highest percentage of deposits (the largest banks in Russia)

1. Deposit "Savings" from the commercial bank "Alfa-Bank". The maximum deposit rate is 7.31 percent. The period of placement of your money is 1 year. Minimum amount - any.
2. Deposit "Smartdeposit" from commercial bank "Tinkoff". The maximum deposit rate is 7.21 percent. The period of placement of your money is 334 days. Minimum amount – 50,000 rubles.
3. Deposit "Prosto" from commercial bank "Sberbank". The maximum deposit rate is 7 percent. The period of placement of your money is 5 months. Minimum amount – 100,000 rubles.