The rate on deposits in the bank. Where is the most favorable interest rate on deposits

Many of us dream of living on interest from deposits and do nothing. Everyone wants to travel, have fun and learn something new, and not waste their time at work. Today in Russia there are many banks that offer their clients various deposits. Each financial institution has its own rates and conditions for placing money. For depositors, the main thing is to remember that too high interest rates on deposits are a risk, because banks that do not have liquidity problems will not pay you much. Do not dream that you can live on one percent, you need to take into account also inflation, and the fact that to get a good income from the deposit you need to put a large amount of money on it.

Interest on deposits and types of deposits

All banks pay their depositors money in the form of interest for the fact that they store their own money in a financial institution. According to the legislation of the Russian Federation, interest on deposits is accrued on a daily basis. They are paid according to the agreement between the depositor and the bank (once a month, quarter, half year, year, etc.). There are two types of interest calculation:

1. Simple - when interest is charged to a separate customer account. Enrollment takes place within the time specified in the contract.
2. Complicated - when interest accrues with capitalization. In a word, the amount of interest on the deposit is added monthly or quarterly to the deposit body.

Thus, if you open a deposit with the bank for the same term and with the same interest rate, then, depending on the way you accrue interest, the final amount of your income will be different. Naturally, with the capitalization of interest, you will earn more, because their amount will be added to the deposit body and increase it. The rate of deposits for each bank is different, it depends both on the policy of the institution and on the need for cash in the bank. The main thing that a depositor needs is to check the institution's reputation (and in the modern world it's easy) and only then decide on investing.

To date, in Russia, banks offer their depositors three main types of deposits:

• Urgent contribution.
• Unlimited (on-demand) deposit.
• Cumulative contribution.

All of them differ from each other in many properties and have many features.

Term deposit

A term deposit is the placement of money in a bank for a specific period, which is specified in the contract, after which the depositor can withdraw his savings together with interest. But there is another option - to prolong the deposit. There are three main types of term deposits: short-term (1 to 3 months), medium-term (3 to 9 months) and long-term (more than 9 months). Usually the longer the term, the greater the rate on deposits in banks. On the one hand, this type of deposit is the most profitable for depositors, because banks offer you the highest interest on time deposits. On the other hand, you can not, if desired, take your money ahead of schedule without losing interest.

The deposit can be issued both in rubles and in foreign currency.

Unlimited Deposit

An unlimited deposit is a deposit that operates without any time restrictions. Its most important quality is that you can at any time get money from a financial institution back. The advantages of an unlimited deposit include an unlimited period of storage of funds and the possibility of withdrawing them without loss of interest. To the minuses - small interest rates of banks on deposits.

Like a term deposit, you can open an unlimited term in rubles and in foreign currency.

Cumulative deposit

A savings deposit is a deposit that is issued at a specific time, usually for several years. According to the terms of the contract, the owner can at any time contribute funds to the account, but can not withdraw until the deposit expires. The interest rate on deposits of this type is somewhere in between the rate of interest on term deposits and perpetual deposits.

You can open an account in rubles and in foreign currency.

Deposits in rubles

In all countries of the world, deposits in the national currency have always been considered the most profitable, not an exception, and the Russian Federation. Today, all Russian banks offer customers a huge number of deposit programs in rubles. The rate on deposits in each institution is different, it often varies, both in the direction of increase and decrease. According to statistics, stable banks offer an average market interest on deposits. As of today, the average interest rate on the market is 9-11% per annum. There are, of course, institutions where it is possible to draw up a deposit and at 19%, but too high interest rates indicate instability of the bank. For example, the rates on deposits in the Savings Bank in the national currency from 8.41 to 10.52% (the percentage depends on the duration of the deposit), but also the reputation of the institution of the highest level.

Deposits in dollars

Many residents of the country keep their savings in foreign currency. The most common money in Russia, in addition to the ruble, is dollars. Many, in connection with the devaluation of the ruble, try to buy currency from each salary. Therefore, a sufficiently large number of citizens of our country are ready to open deposits in dollars. Yes, the interest rate here will be much less than with the contribution in national currency, but the ruble rate is falling, accordingly, the rate of the American currency is growing. In Russia there are many large banks that will offer you a good interest rate when opening a deposit in dollars. The average rate on deposits on the market today is from 4% to 6% per year. A few examples:

• "VTB 24": from 3.22% to 5.55%.
• "GAZPROMBANK": from 3.70% to 5.00%.
• "BANK OF MOSCOW": from 3.22% to 5.61%.
• "RAIFFEISENBANK": from 3.53% to 5.73%.

The amount of interest on the dollar deposit, as well as on the contribution in rubles, depends on the term of placement of funds. Take, for example, the rates on deposits in the Savings Bank.

• Deposit at 6 meters: 4.19-5.05%.
• Deposit for 1 year: 3.4-4.13%.
• Deposit for 2 years: 3.35-3.78%.

Here you need to choose each independently and take into account, for what time you are ready to part with money.

Contributions to the euro

The currency of the euro has become popular in Russia relatively recently, but every year more and more residents of Russia prefer to save money in it. Banks always try to meet the investors, so they prefer to work with all popular currencies (dollar, euro, pound). Deposits in euros can be issued in almost every financial institution in Russia. The rate of deposits in this currency is small, but, like the dollar, the euro rate is constantly growing. Today in Russia, the crisis, the ruble is depreciating, many experts advise citizens to store money in currency. A few examples of rates on foreign currency deposits:

• SBERBANK: from 3.08% to 4.95%.
• "VTB 24": from 3.12% to 5.34%.
• "GAZPROMBANK": from 2.50% to 3.10%.
• "BANK OF MOSCOW": from 3.12% to 5.21%.
• "RAIFFEISENBANK": from 2.53% to 3.02%.

Yes, the interest is smaller than with the contribution in rubles and even the American currency, but many who pin high hopes on the euro.

Rating of deposits of banks of Russia

We live in a world where there is nothing to hide, so it is quite easy to find out information about any bank in the Russian Federation. You can go online and see everything that only interests you. Often depositors are looking for ratings of Russian banks, and even more, the ratings of the most profitable deposits in rubles and in foreign currency. Often, various organizations conduct market assessments and form tables that indicate the most beneficial offers from institutions. If we consider deposits for a period of 1 year, the rating in 2015 looks like this (from a higher to a lower interest rate):

1. Promsvyazbank.
2. "Home Credit Bank".
3. "Alfa Bank".
4. "UniCredit Bank".
5. URALSIB
6. Raiffeisenbank.
7. Rosselkhozbank.
8. "Rosbank".
9. Russian Standard Bank".
10. Sberbank.

In which currency to keep money?

The economy of Russia today is not at its best, there was a significant devaluation of the ruble, prices are rising, and wages are standing still. Many of the citizens ask themselves the question: "In which currency should I keep money?" But there is no simple answer to it. Some believe that you need to buy dollars and euros, because the rate is constantly growing. Others advise opening deposits in national currency, because the rate for such deposits is much greater. In one and the other variant there are both positive and negative sides. The main thing that you need is to decide what exactly you plan to spend the accumulated amount, and even then it is determined with the currency.

In Russia there is a huge number of different banks and financial organizations. All of them try to attract as many customers as possible and expand their deposit and loan portfolio. Everyone in our country is trying to earn more money to provide for himself, his family and heirs. For many people, deposits have long become an integral part of their income. Banking rates on deposits allow us to multiply our savings and avoid inflation. Agree that getting an additional 10% a year to your money is not so bad.

Many experts believe that it is more profitable to invest in business. The investor's income can reach up to 35-40% per year, but there is a risk of losing everything. For an ordinary person with a small salary, this is not an option, it is safer to open a deposit. Before registration, the main thing is to check whether the bank is a member of the state deposit insurance system (practically all financial organizations in it are included). After all, the system guarantees everyone a return of up to 700,000 rubles, including interest.