The most profitable deposits in well-known banks. Where are the highest rates on deposits in banks

It may take a long time to view all the profitable offers in Moscow banks. On the official websites of banks, there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly familiarize yourself with complete list options and their terms and conditions. A large selection of available deposits provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The "Deposits of the month" section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Benefits of our service

A convenient filter has been created on the site, which makes it possible to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow by one or several parameters at once. To do this, you can specify in the filter:

• the minimum amount;
• currency;
• term of the deposit agreement;
• additional opportunities to use the deposit.

The results of the issuance are arranged according to one of two possible principles - an interest rate or a rating. The rating is calculated automatically by our website, taking into account the main characteristics of the convenience and security of working with the bank, such as:

• profitability of the deposit;
• the reliability of the bank;
• availability of additional options;
• availability.

These characteristics give an idea about the bank even before you start working with it. You can independently set the sorting principle and quickly find the information you need on any of the products presented on our website.

Current offers

In the list of issuing current offers at the moment, the maximum interest and terms of cooperation are as follows:

• interest rate - up to 10.25%;
• the minimum deposit amount is from 1,000 to 500,000 rubles;
• storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the existing products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest developments in the banking market, will be regularly sent to the e-mail address you specified. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

Only a few banks offer high-interest deposits in Moscow. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if a few conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the expiration of the contract;
• the client belongs to the privileged category.

High interest rates are possible within . Get the maximum profit and when opening a foreign currency account.

Conditions for opening a high-interest deposit in Moscow

Citizens can open with a high percentage both at the place of registration and residence. To do this, you only need a passport. There are those who cooperate with young people from 14 years old. Offers for individuals are different:

• minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high rates of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find deposits in banks with a high interest rate in 2020. For convenience, we offer a comparative table with up-to-date information and for calculating possible profits. The data is updated regularly, so our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.

The best deposits are those that bring the highest income and offer profitable terms. The choice of conditions depends on the goals set: investment, accumulation or preservation. The advantage of keeping money in banks is the constant growth of the money supply, the intensity of which exceeds the rate of inflation. Term bank deposits are limited to certain periods of storage from several months to several years.

Conditions and options on which you can make a choice:

• % rate;
• the possibility of making contributions throughout the year;
• monthly capitalization;
• the currency in which you make the purchase;
• auto-renewal - the terms of the contract continue to be fulfilled, even if you do not collect the money at the end of the term;
• convenient time.

Investments can be made in rubles, dollars, euros and other currencies.

The Creditnatok service will allow you to find the most profitable deposits in the city. Using a simple table, you can quickly compare interest rates on banks in Moscow and weed out unnecessary offers. The site provides the following information:

• title;
• interest rate;
• deposit amount;
• term;
• currency.

Urgent placements

A term deposit in a bank is a bank deposit with a certain period of storage. The established interest rates on deposits allow the depositor to receive income from the funds generated in the course of the bank's financial transactions with its money. Interest in this case is issued only together with the invested money at the end of the contract. If you urgently need money, and you decide to withdraw it, you will have to pay a fine, and the percentage will drop to the minimum value.

Urgency allows banks to plan the use of funds, so they offer the best interest rates for term investments. At the time of investing funds, an agreement is concluded in which all the nuances are fixed: amount, deposit term, currency, withdrawal conditions, interest rate, etc.

Interest is calculated in different ways:

• using simple interest formulas;
• using compound interest formulas;
• using a fixed or floating rate.

How to choose a bank?

Creditnatok will help you quickly find favorable interest rates on deposits in banks and consult with specialists online - this saves a huge amount of time at the stage of choosing your bank. Look for profitable deposits in banks with us quickly and as conveniently as possible.

All banks are interested in attracting as much money from depositors as possible to their accounts. To this end, there is a wide range of deposits. High interest is not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

With all the differences, deposits can be conditionally divided into three groups, depending on the possibilities of managing accounts: income-generating (without the possibility of replenishing and withdrawing money), replenished and with the possibility of using funds.

Choosing the highest percentage is easy, but what if you urgently need money? Here, savings programs with the right to partial / full withdrawal of money come to the rescue. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract period without the ability to manage and use ahead of schedule in cash. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in various banks are relatively equal:

• You need to select a specific offer.
• Deposit an amount not lower than the indicated minimum.
• Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

• Bank of Moscow "Correct Answer"

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

• BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

• VTB 24 Profitable

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenished deposits

• Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

• PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

• Gazprombank Accumulative

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and 500 €.

• VTB 24 Accumulative

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• Raiffeisen Bank Personal Choice

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

• Bank Trust "All Inclusive" with the possibility of replenishment

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

• Gazprombank. Product "Dynamic" has an additional possibility of replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, $ 1,000 and € 1,000.

What is the article about?

• 1 Profitable deposits in rubles in Moscow banks today
  • 1.1 Profitable source of investment
  • 1.2 Contributions for passive income
  • 1.3 Contribution as a store of money
  • 1.4 Deposit for reserve accumulation
• 2 Rates on foreign currency deposits in Moscow banks today
  • 2.1 The most profitable deposits in dollars
  • 2.2 Euro deposits
• 3 Interest on deposits in Moscow banks: comparative table

In the process of development of society, the understanding of the profitable investment of their funds has come to the majority. People are realizing that they need to keep money not “under the pillow”, but where they can make a profit. Bank deposits provide an opportunity to save money from inflationary growth, increase their profitability.

During the economic crisis, a decline in business activity, a depreciation of the national currency, the assessment of the reliability of a financial and credit institution and the analysis of the conditions of bank deposits become an important aspect for most citizens. It so happened that last years Russians have learned the relationship between economic change and the development of the banking system.

Today, many financial and credit institutions, finding themselves in a difficult situation, lose their license and declare themselves bankrupt. More resilient banks are forced to lower interest rates on hoards in order to survive in difficult conditions. Let's consider the banks of Moscow in terms of their reliability and the profitability of placing deposits.

Profitable deposits in rubles in Moscow banks today

Today, more than 500 banks operate in Moscow, which offer various investment conditions and promotions for individuals. To choose the best option, it is not enough just to compare rates and choose the highest percentage. The profitability factor is influenced by the possibility of replenishing the deposit, interest capitalization, insurance, and more.

Before reviewing the existing offers of Moscow banks, you need to decide for what purpose you want to make a deposit:

1. search for a profitable good source of investment;
2. search for passive profit;
3. safety of money by a certain period (before buying real estate, travel, etc.);
4. to accumulate a reserve, a certain "airbag" or money for a "rainy day".

When looking for a profitable source of investment, it is necessary to choose the maximum terms (from one year) and the highest rates in Moscow today. In this case, the accrual of interest should be carried out at the end of the terms, or choose a deposit with interest capitalization.

Profitable source of investment

When looking for a highly profitable source of investment today, it is recommended to pay attention to the following proposals:

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• The deposit program for individuals "Bonus Online" from the Russian Mortgage Bank makes it possible to receive a yield of up to 10.9%. The allowable investment amount is 30 thousand rubles. - 6 million rubles. Interest is accrued every month, while the investor can additionally conclude an agreement on their further capitalization, which by the end of the term will significantly increase profits. Also, the advantage of this deposit is the ability to replenish the deposit, which is convenient for many depositors.
• The "SmartDeposit" program for individuals (with an increased interest), which is offered by Tinkoff Bank, makes it possible to place your money for one year. During this time, the investor receives a profit of 9%. During this time, it is forbidden to withdraw or replenish the deposit. Today, interest is accrued every month on a separate account. The peculiarity of "SmartDeposit" is to provide a gift - an increase in the rate of up to 10% when making a deposit online or making funds by wire transfer. This deposit can be renewed automatically. To increase profitability, you can choose the condition of interest capitalization (at the time of conclusion of the contract), which will affect the final result.

Investments for passive income

There are situations when people are looking for an additional source of income. A bank deposit is a good and reliable option for placing your money. In order for it to become a passive source of profit, the deposit must be selected based on the following parameters:

1. monthly accrual of interest;
2. a convenient method of withdrawing interest - for example, to a separate bank card.

Naturally, it is important to look for the highest interest rate for individuals. Today, the most profitable deposits in rubles in Moscow, which satisfied all of the above parameters, can be called an offer from the organization Credit Europe Bank.

The "Summer offer" deposit is provided on good terms:

• placement period - 1 year;
• interest is charged every month;
• currency - rubles;
• the rate is 10.75%.

A feature of this ruble banking product can be called benefits for early termination of the agreement. If the money is withdrawn ahead of schedule 180 days after the placement, the depositor receives a 5% income, which is credited to the account. If these programs do not suit you, pay attention to the deposits of the Russian Agricultural Bank for individuals.

Deposit as a means of saving money

There are situations when a person is waiting for a certain event - a summer vacation, a trip to another country, a wedding day, or just the time to start repairs. Perhaps you have found a new business idea and need time to calculate and build a business plan. It was possible to accumulate the required amount, but there are several months left before the expected event. Money should bring income, because in our country, even in a few weeks, cardinal financial changes can occur. The way out of this situation is to search for short-term deposits with the maximum interest rate in Moscow, as well as the ability to replenish them throughout the entire period. Please note that the deposit currency must match the currency that you will need to use, otherwise you may lose funds on conversion.

The “Personal” deposit in the Moscow Regional Bank for individuals fits the specified criteria. To maximize your income, you need to invest at least 10,000 rubles for a period of three months or more. The interest rate is 10%. The main advantage is the possibility of replenishing the deposit throughout the entire term of the contract. This means that the investor can save up to a certain date, depositing free money and increasing the total amount. Interest is accrued every month on a current account or on another card that is opened in this bank. If the deposit amount exceeds 1 million rubles, the client can use a safe deposit box free of charge during the term of the agreement.

Deposit for reserve accumulation

Every person, every family should have a certain “financial safety cushion”, some reserve in case of unforeseen circumstances. To do this, you need to make a deposit on demand or with the possibility of partial withdrawal. It is desirable that such a deposit could be replenished.

The most profitable deposit in Moscow, which meets all the criteria, can be called the "Online Bonus" deposit. The interest on the deposit is 10.9%, if you make it online, the rate will increase by 1%. You can place investments for a period of 1 year. You may also be interested in Binbank deposits for individuals.

Rates on foreign currency deposits in Moscow banks today

Even in the difficult crisis situation of 2020 in Moscow, there is an opportunity to invest money in such a way as to earn income. One of the most reliable and simple ways is a bank deposit. During the depreciation of the ruble, foreign currency deposits are gaining relevance. The most common programs that can be found in almost every bank are investments in euros or dollars. Also, many financial institutions offer deposits in British pounds sterling, Japanese yen, Swiss francs, Canadian and Australian dollars, Chinese yuan.

Unlike deposits in rubles, foreign currency deposits do not offer the same high rates. As a rule, rates on foreign currency deposits do not exceed 2-3%, very rarely reach 4% per annum in Moscow.

The most profitable deposits in dollars

For those who are going to make investments in dollars in Moscow, it is recommended to pay attention to the following offers (the list includes banks with the highest interest rates for individuals):

1. Bank Yugra with a deposit "Sunny Summer" makes it possible to deposit money for a year at a good interest rate - 3.5% with a deposit of $ 4,500. The minimum amount is $1,500, in which case the rate will be 3.3%. The advantage lies in the possibility of replenishing the account and receiving interest every month.
2. United Credit Bank offers a dollar deposit "Currency Prestige", which offers to open a deposit with a yield of 3.3% per annum. The minimum amount is 3,000 dollars, you can place a deposit for a period of 370 days. After opening, money can be deposited into the main account, withdrawal of interest or principal is not allowed.
3. Metropol Bank with the similar dollar offer "Metropol" makes it possible to invest at least 10 thousand dollars for a period of 270-400 days. At the same time, the depositor is guaranteed an interest rate of 3.25%. At the time of the agreement, replenishment of the deposit or partial withdrawal of funds from it is prohibited.
4. Bank Saint-Petersburg has developed a profitable bank dollar product "Deposit", which gives 3.1% per annum when placing an amount of 500 dollars for a period of 1825 days. If such a long term does not suit you, you can make a deposit for a year, while the interest rate will be 1.6%.
5. Nefteprombank offers no less favorable and good conditions to its depositors: investments in the amount of 10 thousand dollars can be put at 3% for a period of 730 days. During the term of the agreement, it is impossible to replenish the dollar currency deposit, interest is accrued every month.

Euro deposits

As with dollar deposits, profitable offers for euro deposits in Moscow come from regional banks. Consider current programs:

1. Confidence Bank has developed a currency offer "My currency", which makes it possible to open a deposit in the amount of 150 euros at 3% per annum for individuals. The period of placement is 1 year, during this time it is impossible to withdraw or replenish the account. Interest is calculated every month.
2. The conditions of the Commercial City Bank with the currency program "New Season" are similar to the previous position - the income is 3%, the interest is calculated every month. The main difference is in the minimum amount, the Commercial City Bank increased it to 500 euros. In addition, at the time of the contract, the deposit can be replenished.
3. You can make a currency deposit "Rentier" in Tempbank for 1 year at 2.9%. The minimum amount is quite high - 10,000 euros. The deposit can be replenished periodically, interest is calculated every month.
4. The deposit from Cinco-Bank "Classic" makes it possible to deposit money at 2.7% for 1 year. The minimum investment must be 7,000 euros, during the term of the contract, the account can be replenished.
5. Bank Express Credit, which is located in Moscow, makes it possible to issue an “Annual +” deposit with a yield of 2.7% for a period of 1 year. It is impossible to replenish it after signing the contract, the interest is charged at the end of the term.

Interest on deposits in Moscow banks: comparative table

In order to compare deposits in Moscow, you need to choose the main criterion for yourself. It can be the level of profitability, reliability financial organization, rating of banks, the possibility of early closure without loss of interest. For those who wish to make a long-term deposit, it is recommended to consider deposit rates at Sberbank.

In practice, you can achieve the highest profitability by contacting regional small banks. But many depositors do not trust little-known banks and are willing to invest their money in more well-known and financially stable institutions (even knowing that the interest rate will be lower).

For comparison, consider a list of reliable banks, their offers and interest rates on deposits:

Advice: profitable interest-bearing deposits in 2020 for pensioners are offered by VTB Bank of Moscow, providing a rate of 9.6% per annum for up to 5 years.

A bank deposit is one of the simplest and most reliable methods of investing and increasing your income. In order to make a deposit in Moscow, you do not need special knowledge. All banks discussed above are members of the deposit insurance fund. This suggests that even after the liquidation and bankruptcy of the institution, the depositor is guaranteed to return his money.

Save the article in 2 clicks:

Today, a huge number of banks operate in Moscow with a variety of offers - both in the national monetary unit, and foreign currency deposits, with the possibility of replenishment and partial withdrawal. In order not to get confused among so many banking programs, it is necessary to set yourself the key criteria that you need to build on when making a choice - profitability, bank reliability, the ability to periodically replenish an account or withdraw interest during the term of the contract.