2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Deposits are a great way to save your money. At the same time, inflation will not affect them. This means that over time, the funds will not depreciate, but, on the contrary, will begin to generate income for their owner.
To date, the most popular are deposits in the national currency. There are a huge number of banks that offer such services to customers. Therefore, it is easy to get confused in such a variety. To understand this issue, it is worth comparing interest on deposits in St. Petersburg banks.
What to look for when opening a deposit in rubles?
The largest banks in St. Petersburg offer a variety of options for deposit lines that can be opened in Russian rubles, US dollars and euros. Many believe that the higher the interest rate, the more income the deposit will bring. However, this factor, although true, is far from the only one worth paying attention to.
When choosing profitable deposits in St. Petersburg banks, it is recommended to pay attention to the conditions that the bank offers to pay the interest rate. Accordingly, it is necessary to clarifyfrequency, as well as the place where payments will be deducted. The fact is that in some banks income is transferred to the current account of the client, while in others it is added to the principal amount of the deposit. It is also worth considering the most interesting offers from financial institutions of the cultural capital of Russia.
Russian Capital
This bank recently opened a new deposit called "Strategic". To open it, it is necessary to conclude an investment life insurance contract, the term of which can be 3, 5 or 7 years. In this case, the client of the bank must cooperate with the insurance company "RGS Life". The minimum deposit amount is 500 thousand rubles. This is a rather large amount, if we talk about other deposits in St. Petersburg banks.
The term for placing this deposit can vary from 181 to 367 days. The client receives income in the amount of 7.8% to 8.5% per annum. In this case, the interest received will be paid to the depositor at the end of the contract term. This type of deposits does not provide for replenishment of the deposit, as well as any expense type operations. The same goes for extensions. If the client terminates the contract, then in this case all interest accruals will be transferred on demand.
Bank AktivCapital
If we compare the deposit rates in St. Petersburg banks, then it is worth saying a few words about this institution, which offers its customers the "Snow" package. According to the terms of the financial institution, the minimum deposit amount should be 10 thousand rubles. Alsocurrency in US dollars or euros is allowed. The deposit period is 91, 181 or 370 days.
When opening a ruble deposit, the benefit will be from 6.75% to 7%. If the account is opened in dollars, then in this case the interest rate can reach the maximum possible 1.6%. As in the previous case, all income received is transferred to the client at the end of the contract. However, he cannot make additional contributions or withdraw funds from his deposit. If the contract was terminated early, then in this case the interest rate is significantly reduced.
To compare deposits in St. Petersburg banks, it is worth considering programs from other financial institutions.
Sauber
This bank has long opened a seasonal deposit called "Winter". If we talk about the minimum investment amount, then in this case it is only 1 thousand rubles. The shortest period for which a deposit is allowed to open is 1 year. This bank offers customers quite favorable conditions. When using such a deposit, the income rate will be from 8% to 8.5%. At the same time, cash payments are made monthly.
As with opening other deposits in St. Petersburg banks, the Winter program does not provide for withdrawal of funds or replenishment of the balance.
MTS Bank
This financial institution has expanded its line of offers with a new deposit called "MTSdeposit 2018". This deposit requires a minimum deposit of $50,000.rubles. The deposit term is 91, 181 or 367 days.
Depending on the duration of keeping money in the bank, the interest rate can be 7.5% or 8.15%. It is not allowed to replenish the deposit or withdraw funds from it. If the client wishes to terminate the agreement with the bank, then in this case, interest on income will be paid at the current demand rate. However, in this case, you should hurry, as this offer is valid only until February 28 next year.
After the end of this deposit, it can be extended. To do this, you can visit a branch of a financial institution or use a mobile application.
Favorable interest on deposits in St. Petersburg banks can be found in larger organizations.
Bank Rossiya
In this financial institution today there is a deposit program called "Universal". According to this proposal, the minimum deposit amount may be 3 thousand rubles. The deposit term is 181 or 367 days. Provided that interest is paid monthly, the rate will be a maximum of 6.4%. If the client orders payments at the end of the contract, then in this case the profit can increase to 6.8%.
It is worth noting that each new depositor receives a MIR bank card as a gift. At the same time, its face value can range from 3 thousand rubles to 1.5 million, depending on the terms of the deposit. Interest rates on deposits are monthly transferred to this card orto another demand account.
Speaking of deposits in St. Petersburg banks, it is worth noting one more advantage of this offer. It lies in the fact that in this case the client can partially withdraw funds or replenish his deposit.
Agrosoyuz
In this financial institution, you can make a seasonal deposit called "Harvest Year". The minimum contribution amount in this case is 10 thousand rubles. The deposit term is 1 year. At the same time, customers can count on a profit of 8% per annum. Monthly funds are transferred to a current bank account or to an existing bank card. The deposit holder does not have the right to make any debit transactions on this deposit. If necessary, you can arrange an automatic prolongation of the contract.
Gazprombank
Speaking about deposits in St. Petersburg banks, it's hard not to mention this financial institution, which operates a special product called "Retirement Income". According to this proposal, people who have gone on a legal vacation are invited to deposit at least 500 rubles for a period of 1 year. In this case, the interest rate will be 6.3%.
Additional contributions are allowed, however, in this case, the transaction can only be made by bank transfer from the account of the organization that provides pensions. If a pensioner wants to replenish in cash, then this is not possible.
Interest passescapitalization and are paid at the end of the term of the contract. At the same time, depositors can make certain debit transactions within the amount that is considered the minimum balance.
Sovcombank
In this financial institution, the minimum contribution is 30 thousand rubles. The deposit term can vary from 1 month to a year. The interest rate is up to 6.9%. Clients are paid monthly. Money can be transferred both to a valid account and to an existing card. If necessary, the client can add the received money to the deposit amount.
When it comes to profitable deposits in St. Petersburg banks, Sberbank is far from the first place in this rating. This is due to relatively low rates, which are a maximum of 5%, provided that the client has deposited at least 700 thousand rubles for 1 year. If you use the minimum limit of 1 thousand rubles, then the benefit will be no more than 4.5%. On the other hand, this financial institution is very popular and has the highest level of stability. When deciding where to invest money, you should also pay attention to these indicators.
In some situations it is more profitable to get a lower percentage, but be sure that the financial institution will not lose the license in the near future. Moreover, it is necessary to take into account the fact that the longer the deposit is maintained by the bank, the more income its owner will receive. Therefore, once again it is worth weighing all the advantages and disadvantages of the proposal. In addition, you need to decide on the type of deposit. In some situations, replenished deposits will be much more profitable.
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