In what bank is the maximum interest on deposits? Maximum deposit interest in the bank

What is the most popular way to store money? The answer is rather prosaic: opening a deposit account in banks. It's no secret that most people want to get the maximum interest on deposits. After all, the main thing is not only to save savings. It would be nice to multiply the existing one.

What types of deposits exist

In a variety of banking products can easily get confused. After all, today there are a huge number of types of deposits. Each of them differs by several parameters:

• Terms of the contract;
• interest rate;
• The possibility of a partial withdrawal and deposit of funds;
• Availability of monthly capitalization;
• Currency of deposit;
• The possibility of early closure.

All deposits are conventionally divided into several large species that have gained popularity.

• Ruble. The most understandable type of deposit.
• Currency accounts.
• Anonymized metal contribution. The most risky way to make a profit.

The maximum bank interest on deposits is accrued on accounts opened for a long term.

Unallocated metal contribution

Not all banks work with precious metals. Hegemon in this area is Sberbank, which proposes to place funds in gold bars. The profit directly depends on the rate of gold in the world market. This method is the most risky, because you can either get a serious profit, or lose some of the money. The greatest effect is achieved when placing funds for a long period.

Currency Accounts

Against the backdrop of the currency rate jumps, many are interested in the question: "What are the interest rates on deposits in foreign currency?" Most banks will gladly offer customers to open an account with currency. The maximum interest on foreign currency deposits does not exceed 3% per annum. It should be noted that Sberbank, unlike the rest, does not offer interest accrual. Revenue is calculated from the exchange rate. It is important to take into account that the price of selling currency and buying money by the bank is significantly different. In this connection it is better to open an account for a long time. The maximum interest on deposits can be obtained by opening a multi-currency account. Money in this case will not be lost in value. That is, there is no dependence on the exchange rate.

Ruble deposits

Perhaps the most common type of deposit. Every citizen of Russia somehow encountered them. The lowest interest rate on the deposit "On Demand". Note that it is at this rate that income will be calculated in case of early closure of other types of accounts.

They, in turn, are divided into different types by:

• The amount of the down payment;
• Possibility to replenish the account during the term;
• The possibility of partial withdrawal of accrued interest;
• Term of the contract;
• Availability of capitalization.

The most beneficial are ruble deposits at interest. The maximum rates ensure a significant profit.

Which bank to choose

The most difficult choice is to choose the appropriate type of deposit in a reliable bank. Today, there is a wide range of financial institutions that attract the funds of the population. Most of them are involved in deposit insurance. This gives a guarantee of return of funds in force majeure situations. The maximum amount of the deposit should not exceed 700 thousand rubles.

Their savings should be trusted by larger banks. Although small private institutions offer the maximum percentage of the deposit in the bank. Let's look at the best offers.

Review of banks

1. Sberbank is ready to accept the population's funds not only in rubles. Currency and metal accounts are provided. At the same time, the range of foreign currency deposits is very wide. The bank covers all segments of the population, allowing everyone to choose a deposit according to their requests. Although the rates are not so high, but there is a choice of the most optimal variant of the account.

2. VTB24 does not lag behind Sberbank. The terms of the contract are about the same. However, the rates for foreign currency accounts are higher. Each client will find a suitable type of deposit.

3. Gazprombank does not have such a wide choice of products. Only 6 types of deposits, but interest rates for them are slightly higher than those of the above-mentioned institutions. The maximum interest on deposits is 7.

4. Rosselkhozbank presents more stringent conditions for opening an account. The profit is calculated only at the end of the contract term, there is no possibility to replenish it. Although the rates are much higher compared to other state-owned banks. They can reach 10.2%.

5. The Bank of Moscow does not abound in a variety of deposits, but it boasts a flexible approach to clients. It is worth noting that to open an account here is more profitable for those who have a large amount of money.

6. "Russian Standard", thanks to its proposals, does not lag behind Sberbank and VTB24. The depositor here will find a deposit that will satisfy his requirements. The maximum interest on deposits is 10-12. However, there is no capitalization, and the conditions are more stringent for the client.

7. Home Credit also managed to take its place in the rating of banks that offer high profitability of deposits. Term of the contract is at least one year. There is the possibility of capitalization, partial withdrawal and replenishment. The bank is ideal for most people. The rate can reach 12 percent per annum.

How to choose a deposit

When choosing a deposit, you must carefully study all the conditions for calculating income. For example, of the two accounts of the same terms and rates, the most advantageous is the one where the monthly capitalization is provided. Capitalization is the accrual of interest not only on the initial amount of the contribution. In this case, the income is accrued on the previously paid interest and additionally paid funds. This is very beneficial for all customers.

For the convenience of customers, many banks put up all the offers on sites where you can not only read the terms, but also approximately calculate the profitability of the deposit. Deposits with the possibility of replenishment are suitable for those who decided to open an account for a short time. In this case, it is also desirable that the capitalization of interest. The more capitalization occurs, the more profitable the client. If the choice is made, then you should immediately apply to the institution, as the bank, at its discretion, can make changes in the conditions. However, this does not apply to the concluded agreement.

To date, the classic terms of the deposit are the most advantageous. These conditions include a high rate without the possibility of replenishment and withdrawal of funds. In this case, the client needs to forget about the existence of savings for a predetermined period.

Quite good conditions for opening an account can be obtained during seasonal actions, which have recently increased. These actions are held before the holidays. Such contributions are, in most cases, short-term. The total term of the contract does not exceed three years.

Risks

The banking institution is subject to the impact of the economy as a whole. And with the latest developments in this area, many investors are concerned. The Central Bank has begun a massive check of all organizations for the availability of accreditation at the Deposit Insurance Agency. If the bank does not have such a document, the Central Bank will soon withdraw the license. The funds that were kept in the bank will still return to the owners, but it will take some time.

To avoid this, you should carefully study all the documents of the bank or consult with a lawyer. In addition, do not give in to the first impulse to open an account for a high percentage. Important: stable and reliable banks do not offer prohibitive interest on deposits.