In which bank is it more profitable to open a deposit: interest rates, conditions

When a person accumulates a certain amount of money, he thinks that it is more practical to store them not at home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide on the bank. Well, it's worthwhile to briefly talk about the services of the most popular financial organizations in Russia.

Sberbank

Many people decide to open a contribution to the most reliable and trusted organization. In any case, this is considered to be Sberbank. Here, potential customers expect several attractive offers. You can make a jubilee contribution called "Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. As a gift to the client there is an insurance program.

There is also the "Save" deposit. It can be opened for at least a month and a maximum of 3 years. The annual rate is up to 6.49%.

There are also deposits "Replenish", "Manage", "Give life", "Multicurrency", "International" and "Savings". Here is the last one to tell in more detail, since it is the most popular, because it is unlimited, and still replenished, with unlimited withdrawal and any minimum amount. The rate can vary from 1.5 to 2.3%.

Suppose a person decided to open a deposit for a year in Sberbank and immediately put a million rubles into the account. Every month he replenishes it for another 20,000 rubles. As a result, for the year he will accumulate 1 262 200 rubles, of which 22 209 - net income. However, with the same "Popolnyay" earn more will turn out. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.

VTB 24

Many people decide to open a deposit in this bank. Proposals are also enough. But the best is "Profitable" with a maximum rate of 8.55%. With an initial contribution of 1,000,000 rubles, the income will be a little less than 80,000 rubles. By the way, interest can either be left on the deposit account, or transferred to a card. This is how the customer wants. Even VTB-24 is good because it provides automatic extension of the deposit and preferential terms for early termination.

But "Profitable" is bad because the account can not be replenished. Therefore, it is convenient for people with a solid income, which can open a deposit for a large sum. But "Comfortable" and "Accumulative" - replenishable tariffs. If the monthly report is 20 thousand rubles, then in the end the profit will be 62 and 78 thousand rubles, respectively.

Rosselkhozbank

This is another popular financial institution. Many decide to open a deposit in rubles right here. One of the most popular offers is the "Classic" tariff. The minimum amount for the deposit is 3,000 rubles. It is not replenishable, but the maximum rate is 8.55%. By the way, you can open a deposit for a period of 31 to 1460 days. If you make a deposit for the maximum period and deposit an amount of one million rubles, then the total profit will be a little less than 335,000 rubles. But this is for many a very long time. However, even if you make a deposit for 395 days, in the end, the profit will be 86,000.

Still popular is the "Amur Tiger" tariff with a maximum stake of up to 8.1%. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid each month and at the end of the period is credited to the debit card issued to the client after the deposit is made. It can pay for utility services, mobile communications, shopping in online stores. And another person, performing operations with this card, helps protect the unique Amur tigers. Part of the proceeds of the "Rosselkhozbank" transfers to the Center for the Study and Preservation of these rare animals.

OTP

One can not but note the attention of this organization, telling about which bank to open the deposit most profitable. There are several proposals in the TNA. The "maximum" tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30 000 rubles, replenishment and withdrawal is impossible. The "Accumulative" tariff rate is 7.6%, Pension Fund 7.4%, and Gibkoy 6.7%. There is also a savings account with a rate of 6.5%.

Well, you can give an example of the indicators of potential profit. If a person invested a million rubles and every month replenished the account by 20 000, then by the end of the year on "Accumulative" he will meet 73 200 rubles. This is a net profit. In the case of the "Pension" the amount will be about 83 000. And according to the "Flexible" tariff at the end of the term it will be possible to gain 74 thousand rubles. "Maximal" is suitable for people with a large income, since replenishment in his case is not provided.

Gazprombank

A certain part of Russians decide to open a deposit at interest in this organization. Gazprombank has five offers. All of them relate to basic deposits. The first option is "Perspective" with a maximum rate of 8.2%. The term can be from 3 months to 3 years. Replenishment is not provided.

There is also "Accumulative". The rate is less than 8%, but you can replenish the account, as in the case of the "Dynamic" tariff, the maximum rate of which is 7.9%, but a partial withdrawal is still available. Also there is a tariff "Rentier" (6.7%).

The most common option is "Accumulative". Having invested a million, at the end of the year it will be possible to gain about 74,000 rubles. But if you use the "Promising" tariff, opening the deposit for three years, you will eventually be able to earn interest on the order of 210 000.

Alfa Bank

Finally, say a few words about this organization. Someone decides to open a deposit in Sberbank, while others are more impressed by Alfa.

The first offer is the "A +" tariff. The rate will be 7.3%. Having invested a million, at the end of the year it will be possible to gain about 75,000. A similar tariff is called "Victory". Only in this case the rate is 7.87%, and the final profit, respectively - about 79 thousand rubles. The contribution, incidentally, can be opened for a period of three months to 750 days.

Also there is a tariff "Life Line". The bank transfers a part of the income received from clients to the same fund, which forms a culture of charity in the society and financially helps children with serious diseases. In addition to the above, customers are offered "Potential", "Premium" and "Premier" deposits.

In general, as can be seen, all banks have quite favorable conditions. In any case, the person will receive profit, and how much it will be great depends on the amount of his contribution and the chosen tariff. Before you go to a financial institution, it is better to get acquainted with all popular offers and calculate the possible income from interest.