"Bank of Moscow" offers several profitable deposits for individuals for 2016, interest up to 10.58% per annum.

Excellent programs: with capitalization, with monthly interest withdrawal, with an increase in the rate in subsequent periods, for pensioners and payroll clients, etc.

Max percentage on all bank deposits (10.58% per annum), can be obtained by investing 1.5 million rubles for one year (taking into account capitalization, the program "Maximum income").

You also need to know that when opening a deposit through an Internet bank or ATM, a bonus is added to the rate in the form of 0.3% per annum in rubles, and + 0.1% per annum in dollars and euros.

All deposit programs of the Bank of Moscow (law on the “deposit insurance system”).

1. Contribution “Correct Answer”– increase in the rate by periods of the term

This deposit can be opened through the Internet bank, or the bank's office.

The minimum opening amount is 100 thousand rubles (you cannot open a deposit in another currency), the term is 380 days.

As you will see in the table, the rate grows according to the time period (there are four of them), and is equal to from 8.0 to 12.0% per annum (the average over the entire period is 9.75%).

The rate increases in the process of capitalization - every 95 days. Interest will be paid to you at the end of the deposit term.

Replenishment and partial withdrawal of the deposit is not allowed.

2. Deposit “Maximum income”- the maximum annual rate

In this program, you can meet the maximum rate on all bank deposits, although the amount of the deposit to receive it is very solid.

Very low minimum opening amount - 1 thousand rubles, 100 euro-dollar.

The product comes with capitalization (interest is paid at the end of the term), and without it (monthly withdrawal to the card account).

The term of the deposit at the choice of the client is from 91 to 1095 days.

In case of early withdrawal - in the period from 180 days - it is paid at a rate equal to 60% of the fixed one (see table below) .

I give a table with rates when opening through an Internet bank or ATM, if you open through an office, subtract from desired value 0.3% per annum.

Deposit term (days)	91–180	181–364	365	366–547	548–730	731–1094	1095
from 1 000	7,80% / 7,85%	8,70% / 8,86%	8,70% / 9,06%	8,60% / 8,95%	7,30% / 7,69%	7,10% / 7,61%	6,80% / 7,52%
from 200 000	8,00% / 8,05%	8,80% / 8,96%	8,80% / 9,16%	8,70% / 9,06%	7,40% / 7,80%	7,20% / 7,72%	6,90% / 7,64%
from 550 000	8,10% / 8,15%	8,90% / 9,06%	8,90% / 9,27%	8,80% / 9,16%	7,90% / 8,36%	7,70% / 8,30%	7,40% / 8,26%
from 850 000	8,20% / 8,26%	9,20% / 9,38%	9,20% / 9,60%	9,10% / 9,49%	8,10% / 8,58%	7,90% / 8,53%	7,60% / 8,51%
from 500 000	8,30% / 8,36%	10,10% / 10,31%	10,10% / 10,58%	9,70% / 10,14%	8,30% / 8,81%	8,10% / 8,76%	7,80% / 8,76%

Note: bold in the table, the rates are indicated for capitalization ...

3. Deposit “Current pension”– we receive income even in 1 day

To tell the truth, the interest in this program is quite miserable - 4% per annum (but this is at least better than keeping it "in a stocking").

There is no minimum opening and replenishment limit, interest is paid quarterly.

To open a deposit, you will need to go to the bank office with a Passport and sign an agreement (having previously studied it).

4. Deposit “Maximum Growth”– great bet and lots of bonuses

And the last product that we would recommend to investors has the following advantages: a decent “net” rate - up to 9.71% per annum, a small opening amount - 1 thousand rubles, the ability to withdraw up to a “minimum balance” (permitted once, after 180 days ), preferential conditions for early termination (60% of the rate remains), the deposit can be replenished, capitalization and monthly withdrawal.

The program also “carries in itself” improved conditions for its payroll clients and pensioners.

The deposit can be opened in rubles, dollars (the maximum rate is 2.13% per annum), euros (the maximum rate is 1.31% per annum).

Deposit term - from 91 to 1095 days, at the request of the client-depositor.

Bold type in the table indicates rates with capitalization. These percentages are valid when opening a deposit through ATMs or Internet banking, if you open a deposit through an office, subtract 0.3% per annum from the rate parameter.

Deposit term (days)	91–180	181–364	365	366–547	548–730	731–1094	1095
from 1 000	7,30% / 7,34%	8,50% / 8,65%	8,50% / 8,84%	7,90% / 8,19%	6,30% / 6,59%	6,10% / 6,47%	5,80% / 6,32%
from 200 000	7,50% / 7,55%	8,60% / 8,75%	8,60% / 8,95%	8,10% / 8,41%	6,40% / 6,70%	6,20% / 6,58%	5,90% / 6,44%
from 550 000	7,60% / 7,65%	8,70% / 8,86%	8,70% / 9,06%	8,30% / 8,62%	6,90% / 7,25%	6,70% / 7,15%	6,40% / 7,04%
from 850 000	7,70% / 7,75%	9,10% / 9,27%	9,10% / 9,49%	8,60% / 8,95%	7,10% / 7,47%	6,90% / 7,38%	6,60% / 7,28%
from 1 500 000	7,80% / 7,85%	9,30% / 9,48%	9,30% / 9,71%	8,80% / 9,16%	7,30% / 7,69%	7,10% / 7,61%	6,80% / 7,52%

If you are not satisfied with the conditions or rates at the Bank of Moscow, then we advise you to look

Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or in electronic format and read all the points carefully, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services by their main parameters - and this is the interest rate, opening cost and commission, you can accept the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru

A strict austerity regime, hard work, an inheritance, or a gift can give you a free amount of money to spend with the most different ways: hide money in a secret place, invest in a business, buy real estate, etc. IN Lately deposits in Moscow are gaining more and more popularity. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Moscow bank deposit rates

Since interest on deposits in Moscow largely determines how much the deposit will be added to the original, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.

Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
• termless or short - term deposits are usually accompanied by lower deposit rates in Moscow banks .

Thus, if you want to open a deposit under high interest, then try to correctly plan your budget in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow ahead of schedule;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits of individuals in Moscow is accrued daily, but may differ from each other in the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

The deposit calculator on this page will help you quickly get all the necessary information on current deposits:

1. Enter your deposit requirements.
2. Get full list current deposits in Moscow banks are updated for today.

After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

Two years ago, our banks under New Year pleased depositors with holiday promotions, during which deposit rates increased noticeably for a while, sometimes by 1-2 percentage points. But it seems that those cheerful times when banks willingly increased their liabilities in order to distribute more loans at the end of the year have passed.

Analysis recent changes on the market of foreign currency deposits showed that some banks nevertheless began to increase their interest rates, mainly for dollar savings. However, this movement cannot be called a trend, since most of the credit institutions, on the contrary, continue to reduce the profitability of such deposits. The new price often differs from the old one by 0.3-0.5 p.p. Today is the most high rate here 2.9-3.5% per annum, but the threshold for opening such a deposit starts from 100,000 or more US dollars. But the yield of 2.7% per annum is quite affordable for small investments.

The most expensive deposits of Sberbank in this moment look like this: 1.25% from $20,000, 0.25% from €20,000, 6.85% from 700,000 rubles. And up to 8% -.

Inflation, which is desirable for a depositor to focus on when choosing a deposit, reached a level of 5.8% in November 2016 (a month earlier - in October it was 6.1% per annum). The Bank of Russia has not yet abandoned the 4% target by the end of next year, but is already expressing fears that inflation in Russia will hang at 5-5.5% for a long time. And there are good reasons for this forecast, primarily related to rising food prices and inflationary expectations of the population. However, no one excludes the risk of devaluation shocks, which, for example, in 2014 gave rise to prices and bank rates an unprecedented acceleration.

Bank	Max. deposit rate in rubles (% per annum)	Max. rate in US dollars (% per annum)	Place in the asset rating (October 2016 result)
Bank Premier Credit Profitable cooperation	10,5	0,5	381
BBR Bank new year sprint	10	2	104
SDM-Bank pension	9,8	1,2	94
International Bank of St. Petersburg Superdeposit	9,75	2,25	93
Intechbank Investor	9,6	2,1	120
Banks from TOP-50
Russian standard refillable	9,5	2	21
AK Bars Holiday percentage	9,3	1,2	20
Absolut Bank progressive income	9,15	1,7	34
Home Credit Bank Maximum income	9	1,5	42
Sovcombank Maximum income	9	1,75	19

Bank Premier Credit, deposit Beneficial cooperation

There is a fairly high rate even for small investments from 30,000 rubles. The yield depends on the term - the longer it is, the higher the percentage in the line 2-8-9-10.5% per annum. You can choose the exact number of days of the deposit agreement yourself within the limits: from 31 to 367. Profit is paid out once a month. The bank is reluctant to accept foreign currency from customers, so here the maximum rate for dollars and euros is 0.5%, which is present in other deposits.

The offer is valid subject to additional conditions described on the bank's website. This deposit does not have any options, that is, neither partial spending, nor replenishment, nor early maturity benefits are provided.

A small Moscow bank, however, with five offices in the capital and two in the region. The level of creditworthiness of the financial institution is rated by Expert RA.

BBR Bank, deposit New Year's Sprint

A seasonal promotion, valid until the end of January, offers depositors a 10% annual rate with a minimum savings of 30,000 rubles. There is only one term here - 300 days, without the possibility of another choice. All interest is paid at the end of the contract. Foreign currency savings can be placed on another deposit "Profitable" at 0.8-2% per annum for up to two years.

Of the additional functions, there is only the possibility of replenishing the account. It is limited to the first month after the signing of the contract and a minimum amount of 30,000 rubles. for each incoming transaction.

The shareholders of the Baltic Development Bank are also its board of directors. Activity credit institution It is represented by two additional offices in Moscow and five regional branches.

SDM-Bank, Pension deposit

Profit percentages, although fixed for the entire term of the contract, however, their specific value depends on the moment the deposit is opened. Under the terms of the offer, the yield is equal to the Central Bank rate (which sometimes changes) reduced by 0.2 percentage points. Today, the deposit agreement is concluded at 9.8% per annum. The most remarkable thing is that the term of the deposit is possible within 3-5 years, where the client himself determines the exact number of days. Quarterly capitalization will increase profits.

The account can be replenished for almost the entire period, except for the last three months. It also provides for a one-time partial withdrawal of the amount within 1/3 of the deposit volume. There are also benefits for early termination.

A bank with nine regional offices can hardly be called small. Capital residents are served by thirteen branches.

International Bank of St. Petersburg (IBSP), deposit Superklad

The investor can choose one of three terms: 271-367-547 days. They correspond to rates: 9.25-9.75-9.25% per annum in rubles or 1.9-2.25-1.9% in US dollars. Interest is paid in the form of rent - once a month without capitalization. The rate can be increased by 0.2 p.p. subject to the conditions posted on the bank's Internet portal. The lower entry threshold is 1,000,000 rubles.

The deposit is replenishable. Additional contributions from 100,000 rubles. or 3,000 USD/EUR are accepted in the first nine months of the contract. You can withdraw money from the deposit ahead of schedule with the preservation of part of the interest rate, starting from the third month of the contract.

Petersburg Bank is represented in Moscow by one branch. In total, the financial institute has five branches in the regions, in addition to the head business in the Northern capital.

Intechbank, deposit Investor

The minimum contract amount is 50,000 rubles. The return on investment is 9.6% per annum. There is only one term without a choice - 372 days. Profitable interest is paid every month to the current account, from where they can replenish the deposit, i.e. make a "manual" capitalization. Additional terms to open a deposit - read on the bank's website.

Replenishment is possible in any amount and at any time of the contract. It is also possible to withdraw part of the deposit without completely closing it, leaving the balance of at least 500,000 rubles intact. Early termination for a period of more than six months will retain all interest accrued up to this time.

One of several banks in the Republic of Tatarstan has four regional branches. The Moscow branch is represented by one office in Gostinichny proezd.

Russian Standard, deposit Replenished

The minimum initial payment is 30,000 rubles. True, when opening a deposit through Internet banking, the initial threshold is reduced to 10,000 rubles. The client is given a choice of two terms of 181 or 360 days, which correspond to two rates depending on the currency: in rubles - 9-9.5% per annum, in dollars 1.5-2%, in euros 0.75-1.25% . Method of accrual of interest - all at the end of the term.

Additional terms of the contract are represented by two useful options: unlimited replenishment and the ability to open an account remotely.

is the largest financial institution in Russia specializing in retail lending. Of its more than one and a half hundred branches across the country, almost three dozen are located in Moscow.

Ak Bars, contribution Holiday percentage

The bank's best ruble rate of 9.3% per annum is valid for two terms - 186 or 372 days. For a period of 93 days, the yield is slightly less - 9.2% per annum. The minimum amount of savings placed on a deposit is 30,000 rubles. Once a month, the depositor is paid interest. The offer is valid until the end of this year. Using the Internet, the investor can increase the yield by 0.2 p.p. The best currency deposit is called "Person".

An increase in the deposit amount is possible, but there are restrictions on the term and amount: for each operation, at least 5,000 rubles. during the first two months after opening.

The largest regional bank of the Republic of Tatarstan. Among the 32 branches of the credit institution throughout the country, there are two branches in Moscow.

Absolut Bank, deposit Progressive Income

The contribution is from what is called "ladder interest", which means that every quarter the percentage yield changes. The average result is the following. For amounts from 50,000 rubles. average total 8.15% per annum, for amounts from 1,400,000 rubles. - 9.15%. The duration of the contract is 367 days. At the choice of the depositor, interest can be withdrawn in the form of rent or capitalized. Currency savings are accepted on another deposit "Absolute maximum +".

Receipt transactions are possible only in the first half of the term of the contract and in a total amount of up to 1,000,000 rubles. The minimum threshold for each additional contribution is 3,000 rubles. A preferential rate is provided if the deposit is closed before the deadline.

The credit institution is represented in Moscow by 13 offices. The bank's branch network covers five regions.

Home Credit Bank, deposit Maximum income

With a maximum rate of 9% per annum with slightly different conditions. Both deposits are designed for savings from 1,000 rubles. If the term for “Maximum Income” is 18 months, then for “Capital” it is 36 months. The interest accrual system of the first one is a monthly rent or capitalization to choose from. The second - all interest is issued at the end of the term. Look for the maximum foreign exchange income in the “Profitable Year” deposit product.

Both deposits are replenishable. The amount of credit transactions - from 1,000 rubles. There are restrictions on the replenishment period. Both accounts can be opened via internet banking.

The bank is one of the leaders in the POS lending segment, so its branch network is represented throughout Russia. 23 departments are marked on the map of Moscow.

Sovcombank, deposit Maximum income

On a deposit, you can invest from 30,000 rubles. or from 5,000 USD/EUR. The range of terms is from 31 to 365 days, within which the rates are valid: 8.8% or 9% per annum in rubles. The highest of them are for investments for a period of 3-6 months. The depositor is free to independently choose the duration of the contract up to a day. Interest is at the end. Operations through the Internet bank will add 0.3 percentage points to the rate.

Of the convenient options, there are only additional payments. But pay attention to the statement of the bank that it can refuse the depositor credit transactions any time.

Oksana Lukyanets, expert at Vkladvbanke.ru

Bank deposits or deposits are one of the most common, affordable and familiar options for us to receive passive income. In essence, everything is simple here: a person has a free amount of money, he gives it for temporary use to a bank, which pays the depositor a reward in the form of interest. Difficulties begin at the stage of choosing the most profitable deposit.

Different experts in the field sometimes express diametrically opposed opinions about what should be guided by when determining which financial product will be most appropriate for a person who wants to increase his funds with a bank deposit. Someone believes that the reliability of the bank should be put at the forefront, and someone - high interest rates.

Benefits of bank deposits for individuals

Considering this product as a whole, we can note several serious advantages for the average person:

• Clarity and accessibility. Everyone can take advantage of the offer from the financial institution and put their funds on deposit. Everyone knows what it is, they can freely find the information they are interested in about a particular deposit and bank, and calculate the expected income.
• Reliability. Compared to other investment programs and products, only bank deposits have state guarantees for the return of funds in case of problems with a particular commercial bank.
• Income guarantee. Only bank deposits give mandatory returns. All other investments are of a different nature, investments in other assets do not guarantee mandatory profits, they can both rise in price and become cheaper, sometimes causing losses.
• You can invest almost any amount on a bank deposit, some options start from one ruble. In other forms of investment, you need to own serious capital.

Is everything really so good with bank deposits? What troubles can lie in wait for our money if we put it on a deposit? To answer these questions, you need to delve a little into the realities of the economy.

Brief "educational program": where do the interest come from

To make money, banks themselves invest in various income-generating products. This may be the purchase of highly liquid shares, foreign exchange transactions, lending. Those financial institutions that form their main assets from the loan portfolio are actively attracting funds for deposits. The bank itself earns on the difference between interest paid to depositors and those that come to it from customers who have taken loans.

Consumer lending is often preferred. Almost anyone can get such a loan without a negative credit history, it is quickly processed and can be issued even without documents confirming the client's solvency. By the way, you can do it online and for free. The bias towards this segment on the part of banks is understandable, the amounts of such loans are smaller, respectively, the degree of risk of their non-repayment is lower. For a better understanding of this statement:

1. with a hundred individual clients who took 10.0 thousand rubles each, the total amount will be 1 million to be issued, of which only a small part will remain outstanding, which is not critical for the bank;
2. with a hundred borrowers-legal entities, the amount can increase significantly, because the needs of business are incomparable with the needs of citizens, and even a 10th part of those not returned can already represent a significant risk for the lender.

In addition, consumer loans are beneficial to the bank because they are more expensive.

From this, one can easily conclude that it is much safer and more profitable for banks to issue loans to the population. But this only exacerbates the overall problem. A cursory analysis without much delving into the intricacies of economic subtleties shows that the increase in consumer lending and deposits only worsens the situation:

• manufacturers and businesses as a whole have fewer opportunities to obtain borrowed funds;
• loans for legal entities are becoming more expensive, because banks must pay interest on deposits;
• loans for the population increase consumer ability and, accordingly, indirectly contribute to inflationary processes.

It follows from this that the current situation may be fraught with bank failures. How is this supposed to happen? Here it should be emphasized that this is only a possible development of events, not a forecast. Imagine that we are facing another round of the crisis with all the “charms” of rising inflation, a decline in production, an increase in unemployment and a decrease in general level income of the population. What will happen to the huge number of consumer loans? Due to the inability to serve them, delays and non-payments will begin, which will entail interruptions in the banking system. After all, if there is no inflow of money from those who took a loan, then financial institutions will have nowhere to get the funds needed to pay interest on deposits and return them.

Of course, there is state insurance of deposits of the population, according to which each depositor is guaranteed to receive his savings (the maximum amount is 1.4 million rubles). But here, too, there are nuances. From each deposit, the bank that accepted it transfers a certain percentage to the Insurance Fund, and it is also supported by the country's budget. Although, if 2-3 large and systemically important banks really “collapse”, then it is unlikely that there will be enough money in the fund to return their funds to millions of depositors.

This does not directly lead to the conclusion that deposits are an unreliable and unpromising tool for preserving and increasing personal capital.

Advice: if you want to protect your savings to the maximum, then diversify your investments using other investment instruments. And when looking, do not stop at any one institution, try to cooperate with several. This will reduce the risk of running into a troubled bank and investing all your money in it.

Nevertheless, the deposit today is the most affordable and fairly reliable way of investing with a guaranteed income.

What is a deposit account in a bank for an individual?

The terms bank deposit and bank deposit have a single semantic content - they imply a certain amount of money that is transferred by a citizen to management financial structure for the purpose of generating income as a result of transactions conducted with it. To do this, a special deposit account is opened in the name of a client, a private individual, where his funds “lie”.

Before evaluating by profitability or any other, you should decide on the type of deposit. There are many offers for this type of financial products and it seems that they are completely different. In fact, they are all based on several classical types.

They are divided according to the conditions:

• Term savings. Investments are made for a specific period, it is impossible to replenish the amount or withdraw part of it. In this format, as a rule, banks offer the highest interest on products for individuals.
• Urgent refillable. As you can see from the name, here it is possible to add any amount to the body of the deposit if desired. The option is convenient for those who wish to accumulate a certain amount of money by regularly saving funds, besides receiving interest.
• Urgent settlement. In this version, you can perform various operations with money - both incoming and outgoing. Distinctive feature of this format is that an account of the current type, not a deposit one, is created for it. Its advantage in status is that it is not subject to sanctions and restrictions that can be introduced during periods of crisis, for example, a ban on early withdrawal, etc. The rates here are relatively low and can change during the period of the deposit, there is a “non-withdrawable” rule required balance.

Deposits are also divided according to the scheme of accrual and payment of interest:

1. at the end of the term of the deposit one-time;
2. monthly with the possibility of withdrawal;
3. monthly with capitalization.

The first option usually offers the highest interest rates, because it is the most profitable for banks. Using the funds throughout the entire period, the institution does not spend a penny on their maintenance. In the second subtype, the rates are slightly lower than in the previous one, but it is indispensable for those people who need a constant source of passive income. The third option should be given special attention. Often, products with capitalization are positioned as the most profitable in terms of interest. But it is not always the case. The very concept of capitalization involves the accrual of interest on the interest already received on the deposit in past periods and attached to the body of the deposit. The term "compound interest" fascinates, and one is convinced that such an approach will give more in the result. But this is not always the case, in such product formats the rates are usually lower than in the option with a payment at the end of the term.

Advice: if you are considering several offers for deposits, analyzing or others, looking for the best ones, and if there is a version with capitalization among them, be sure to calculate the expected result of each of them manually or using another tool, and then compare. It is possible that a deposit with interest payment at the end of the term will be more profitable than with capitalization. Then it makes no sense, in all other respects it is identical to the first type. It is not recommended to use online calculators built into official websites, they may not show the whole picture.

Recently, deposits with special conditions have begun to appear:

• With advance payment of interest. The scheme here is such that the bank with the depositor immediately calculates the interest, doing this at the time of the deposit. The rate in this format is significantly lower than in many others, this is understandable. The product may be in demand in cases of need to receive a certain amount of money immediately, without spending your own savings.
• With a floating interest rate. Its size may depend on different conditions. There are deposits where the amount of accrued income is determined by the period of placement. For example, in the first three months it is one, the next quarter its size will increase by 1-2 points, and so on, incrementally. Here it is advisable to carefully calculate the result and compare it with classic products, where payments are made at the end of the entire deposit period. There are also deposits with floating rates, which depend on various financial indicators- exchange rates, stock indices and the like. Such products require certain knowledge from the depositor in order to be able, if necessary, to check and challenge the amount of the rate set by the bank.

When searching for yourself or other regions, do not forget that such a deposit product consists not only of high interest rates. There are a number of criteria that directly affect the result, including non-material ones. Points to pay attention to when choosing a deposit:

• its type and interest calculation scheme;
• reliability and rating of the bank;
• compliance with your specific conditions and tasks;
• level of service and customer focus in the bank.

Deposits of individuals in 2016 and interest on deposits

First you need to clarify that all interest rates on deposits are set based on several interrelated factors:

• growth/decline of inflation;
• increase/decrease in the inflow of funds to banks from the population;
• the key rate determined by the Central Bank of the country;
• competition between financial institutions for the depositor.

All these factors are common to almost all countries. In 2016, Russia continues to experience growth, albeit not high, but significant, of inflation, as well as the devaluation (depreciation) of the ruble. There is also a downward trend in the level of inflow of deposits. The Central Bank of the Russian Federation is pursuing a cautious policy in terms of changing the key rate, today it is set at 10.5% per annum and has been reduced for the fifth time since 2014. What does this mean and how does it affect the choice of a profitable deposit and a reliable bank?

The interdependence of the key rate and interest on the deposit

The rate of the Central Bank of the Russian Federation is the indicator that any bank repels when developing its deposit product. It is at this percentage that I am ready to take for storage cash and issues loans from the Central Bank of Russia to commercial private banks. The Central Bank categorically does not recommend that all market players significantly exceed it when making deposits to the population. In his opinion, + 2% is acceptable here. Anything above that is already considered risky and increased contributions to the Deposit Insurance Fund have been introduced for these products.

In other words, if any commercial Bank offers its depositors a percentage that is 3-3.5-4 or more points higher than the key rate, then you need to be careful here. This is already a game not quite according to the recommended rules of the regulator, and such an organization is pursuing a risky policy.

There are also back side medals. All major players financial market with deposit products, they adhere to the established requirements, but the interest rates from them are low. Sometimes their products look quite unattractive compared to others that are offered by medium or small banks, and when calculating the potential income, there is not even a guarantee that it will cover inflationary losses. For small and medium-sized banks, an increased deposit interest is a tool for competition and attracting customers. Therefore, if you are attracted to a high-interest product offered by a financial institution that is not in the TOP of the largest, then in order to finally verify its reliability, you can analyze it according to the following criteria:

• financial results of the bank in dynamics;
• period of work on the market;
• size authorized capital and own assets;
• founders and beneficiaries, as well as their position;
• credit and other ratings;
• net and problem assets;
• fulfillment by the bank of the requirements and standards of the Central Bank, as well as its status in the current period. Particular attention should be paid to the last point. Today, the regulator is actively conducting a "cleansing of the ranks", revoking licenses. It is absolutely not worth entering into a relationship with a problem bank.

Almost all of this information can be found on the website of the Central Bank of Russia in the public domain. At the same time, it is necessary to consider the level of reliability not by a separate bank, but by comparing it in a group where similar deposits are offered.

In addition, other aspects can be taken into account. For example, a bank issues, that is, it is a member of the state program, which includes only institutions with a good reputation. This point can also be a plus in determining its level of reliability.

The highest interest on deposits

Today, offers often appear - promotional or special products, where banks give and good conditions, and the most profitable interest:

• "Trust" and its "Generous interest" - 9.9-10.35% in rubles, depending on the term and amount.
• "Dynamics" from SMP - up to 10% per annum;
• "Personal" from Mosoblbank - up to 9.7% in Russian rubles.

The market of deposit products for the population is actively developing, new offers with favorable conditions appear every day. In addition, do not forget about the TOP participants. Deposits for a year are offered by such “whales” as Alfa Bank (Life Line, 8.8%), Promsvyazbank (My Benefit, 9.5%), BinBank (Maximum Interest Online ", 10.65%) and some others.

Foreign currency deposits at high interest

Today, more than 200 different deposits in foreign currency are active, which are offered to us by various banks. Rates vary on average from 2.95% per annum to 0.01%. The highest give small financial institutions. Large ones, for example, SB, have low ones, despite the fact that it is the largest, oldest and conducts various programs. accessibility is at a high level, as well as the issuance of consumer loans. But on deposits in foreign currency, he takes a cautious position.

The same picture is observed in other major market players. Although there are exceptions - "Rosselkhozbank" and "Your income (at the end of the term)" guarantee the payment of 3.95% per annum when investing an amount of 3.0 thousand US dollars for a three-year period.

This short review should suggest that foreign currency deposits with favorable conditions can be found today. However, it is worth remembering one point that makes them high-risk. In case of bankruptcy, revocation of the license by the regulator, reorganization and other banking problems, the foreign currency deposit will undergo unpleasant metamorphoses. Naturally, it will be paid, because it is guaranteed by the Fund and the state. But there is a big minus - the calculation will be made in Russian rubles at the exchange rate on the date of the insured event.

Special deposits for pensioners in 2016

Banks have long paid close attention to this category of the population in terms of attracting their savings. They understand that older people, due to their specificity, are able and willing to “save” money. Therefore, many deposit programs and products have been created for them. As a rule, they differ in the following parameters:

• higher interest rate;
• loyal conditions for partial withdrawal and replenishment;
• relatively smaller, and sometimes even minimal, contributions.

Based on the standard products Save, Replenish and Manage, Sberbank has created special versions for pensioners, where rates are more favorable than for working and able-bodied clients. In addition, the Pension Plus deposit is intended for them.

Current offers from financial institutions can bring an average of 3.0% to 10.0% per annum.

As a conclusion

A bank deposit today, with a certain amount of risk associated with the economic situation as a whole, is still one of the most reliable and affordable tools for increasing the equity capital of individuals. The decision which product to give preference to should be built taking into account how reliable the bank is, as well as based on some other, intangible points:

• Location of the bank and its branches. Sometimes the personal presence of the depositor is necessary, it is impossible to perform all the required operations using only remote access. If the office is located in another city, you need to get to it long time, then this reduces the comfort of cooperation.
• Services and Degree of Implementation innovative technologies. To minimize the efforts to communicate with the bank when working with a deposit, you can use online banking and other tools via the Internet, as well as service your deposit, for example, when replenishing it, through ATMs or terminals.